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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 | $20,199 | $49,657-59.3% | $93,063-78.3% | $67,986-70.3% |
| Participation rate | 72.2% | 49.9%+22.3pp | 72.1%+0.1pp | 57.2%+15.0pp |
| Annual return | 20.29% | 26.27%-6.0pp | 34.15%-13.9pp | 31.67%-11.4pp |
| Employer contribution / active EE | $1,301 | $1,279+1.7% | $2,476-47.5% | $2,019-35.6% |
| Participant deferral / active EE | $2,316 | $2,484-6.8% | $3,958-41.5% | $3,358-31.0% |
| Admin fee / account holder | $552 | $2,843-80.6% | $6,033-90.8% | $3,203-82.8% |