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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 | $17,710 | $43,075-58.9% | $74,577-76.3% | $62,881-71.8% |
| Participation rate | 84.1% | 58.1%+26.0pp | 68.1%+16.0pp | 69.3%+14.8pp |
| Annual return | 8.65% | 17.50%-8.9pp | 20.47%-11.8pp | 20.14%-11.5pp |
| Employer contribution / active EE | $786 | $1,498-47.5% | $2,525-68.9% | $2,281-65.5% |
| Participant deferral / active EE | $1,668 | $2,389-30.2% | $3,458-51.8% | $3,203-47.9% |
| Admin fee / account holder | $1,249 | $2,840-56.0% | $4,138-69.8% | $4,296-70.9% |