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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 | $27,805 | $81,487-65.9% | $102,412-72.8% | $80,935-65.6% |
| Participation rate | 76.1% | 66.8%+9.2pp | 74.5%+1.6pp | 67.7%+8.4pp |
| Annual return | 13.42% | 25.60%-12.2pp | 24.94%-11.5pp | 35.66%-22.2pp |
| Employer contribution / active EE | $1,398 | $3,103-54.9% | $3,870-63.9% | $2,757-49.3% |
| Participant deferral / active EE | $2,586 | $3,871-33.2% | $5,060-48.9% | $4,299-39.9% |
| Admin fee / account holder | $840 | $6,717-87.5% | $8,388-90.0% | $6,924-87.9% |