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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 | $60,814 | $87,106-30.2% | $105,607-42.4% | $80,935-24.9% |
| Participation rate | 89.4% | 70.4%+19.0pp | 75.3%+14.1pp | 67.7%+21.7pp |
| Annual return | 13.17% | 17.01%-3.8pp | 116.11%-102.9pp | 35.66%-22.5pp |
| Employer contribution / active EE | $1,213 | $2,396-49.4% | $3,167-61.7% | $2,757-56.0% |
| Participant deferral / active EE | $5,044 | $3,986+26.5% | $5,011+0.6% | $4,299+17.3% |
| Admin fee / account holder | $2,623 | $8,447-69.0% | $10,958-76.1% | $6,924-62.1% |