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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 | $17,686 | $63,845-72.3% | $81,370-78.3% | $80,959-78.2% |
| Participation rate | 72.0% | 63.9%+8.1pp | 69.5%+2.5pp | 67.7%+4.3pp |
| Annual return | 13.24% | 16.37%-3.1pp | 24.85%-11.6pp | 35.67%-22.4pp |
| Employer contribution / active EE | $1,858 | $1,980-6.2% | $2,464-24.6% | $2,757-32.6% |
| Participant deferral / active EE | $4,071 | $3,093+31.6% | $3,885+4.8% | $4,300-5.3% |
| Admin fee / account holder | $3,848 | $5,688-32.4% | $5,749-33.1% | $6,925-44.4% |