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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 | $15,070 | $58,627-74.3% | $76,735-80.4% | $82,448-81.7% |
| Participation rate | 93.2% | 63.2%+30.0pp | 69.5%+23.7pp | 68.1%+25.2pp |
| Annual return | 18.16% | 39.10%-20.9pp | 29.77%-11.6pp | 41.64%-23.5pp |
| Employer contribution / active EE | $1,162 | $1,729-32.8% | $2,454-52.7% | $2,551-54.5% |
| Participant deferral / active EE | $2,991 | $3,134-4.6% | $4,088-26.8% | $4,139-27.7% |
| Admin fee / account holder | $733 | $5,323-86.2% | $7,189-89.8% | $7,234-89.9% |