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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 | $57,061-67.0% | $85,063-77.9% | $80,911-76.7% |
| Participation rate | 94.1% | 56.3%+37.8pp | 67.5%+26.6pp | 67.6%+26.5pp |
| Annual return | 17.79% | 21.66%-3.9pp | 66.54%-48.7pp | 35.63%-17.8pp |
| Employer contribution / active EE | $1,176 | $1,799-34.6% | $2,727-56.9% | $2,756-57.3% |
| Participant deferral / active EE | $4,557 | $3,110+46.5% | $4,523+0.8% | $4,297+6.1% |
| Admin fee / account holder | $1,664 | $4,986-66.6% | $6,155-73.0% | $6,935-76.0% |