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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 | $18,812 | $57,073-67.0% | $85,126-77.9% | $80,925-76.8% |
| Participation rate | 94.1% | 56.4%+37.7pp | 67.5%+26.6pp | 67.7%+26.5pp |
| Annual return | 17.79% | 21.69%-3.9pp | 66.63%-48.8pp | 35.65%-17.9pp |
| Employer contribution / active EE | $1,176 | $1,801-34.7% | $2,731-56.9% | $2,756-57.3% |
| Participant deferral / active EE | $4,557 | $3,113+46.4% | $4,523+0.8% | $4,299+6.0% |
| Admin fee / account holder | $1,664 | $4,988-66.6% | $6,160-73.0% | $6,940-76.0% |