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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 | $23,109 | $48,078-51.9% | $78,676-70.6% | $62,881-63.2% |
| Participation rate | 86.2% | 65.2%+21.0pp | 73.6%+12.6pp | 69.3%+16.9pp |
| Annual return | 7.16% | 31.36%-24.2pp | 62.19%-55.0pp | 20.14%-13.0pp |
| Employer contribution / active EE | $956 | $2,015-52.5% | $2,850-66.4% | $2,281-58.1% |
| Participant deferral / active EE | $1,793 | $2,587-30.7% | $3,517-49.0% | $3,203-44.0% |
| Admin fee / account holder | $369 | $3,206-88.5% | $4,510-91.8% | $4,296-91.4% |