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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 | $31,384 | $72,177-56.5% | $115,037-72.7% | $59,633-47.4% |
| Participation rate | 84.2% | 72.6%+11.7pp | 81.4%+2.8pp | 68.7%+15.5pp |
| Annual return | 11.63% | 12.02%-0.4pp | 26.14%-14.5pp | 2041.40%-2029.8pp |
| Employer contribution / active EE | $2,264 | $2,841-20.3% | $4,608-50.9% | $2,203+2.8% |
| Participant deferral / active EE | $8,038 | $4,783+68.0% | $6,026+33.4% | $3,192+151.8% |
| Admin fee / account holder | $316 | $4,927-93.6% | $8,175-96.1% | $4,297-92.7% |