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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 | $21,770 | $81,504-73.3% | $102,437-78.7% | $80,959-73.1% |
| Participation rate | 90.0% | 66.9%+23.1pp | 74.5%+15.5pp | 67.7%+22.3pp |
| Annual return | 11.01% | 25.60%-14.6pp | 24.95%-13.9pp | 35.67%-24.7pp |
| Employer contribution / active EE | $1,796 | $3,104-42.1% | $3,871-53.6% | $2,757-34.9% |
| Participant deferral / active EE | $2,828 | $3,871-26.9% | $5,060-44.1% | $4,300-34.2% |
| Admin fee / account holder | $1,848 | $6,719-72.5% | $8,388-78.0% | $6,925-73.3% |