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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,211 | $43,075-46.1% | $74,577-68.9% | $62,881-63.1% |
| Participation rate | 98.6% | 58.1%+40.5pp | 68.1%+30.5pp | 69.3%+29.3pp |
| Annual return | 7.37% | 17.50%-10.1pp | 20.47%-13.1pp | 20.14%-12.8pp |
| Employer contribution / active EE | $423 | $1,498-71.8% | $2,525-83.3% | $2,281-81.5% |
| Participant deferral / active EE | $1,165 | $2,389-51.2% | $3,458-66.3% | $3,203-63.6% |
| Admin fee / account holder | $1,545 | $2,840-45.6% | $4,138-62.7% | $4,296-64.0% |