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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 | $18,028 | $58,627-69.2% | $76,735-76.5% | $82,448-78.1% |
| Participation rate | 96.3% | 63.2%+33.1pp | 69.5%+26.8pp | 68.1%+28.2pp |
| Annual return | 15.78% | 39.10%-23.3pp | 29.77%-14.0pp | 41.64%-25.9pp |
| Employer contribution / active EE | $1,457 | $1,729-15.8% | $2,454-40.6% | $2,551-42.9% |
| Participant deferral / active EE | $2,880 | $3,134-8.1% | $4,088-29.6% | $4,139-30.4% |
| Admin fee / account holder | $648 | $5,323-87.8% | $7,189-91.0% | $7,234-91.0% |