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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 | $27,800 | $54,541-49.0% | $78,778-64.7% | $70,126-60.4% |
| Participation rate | 81.1% | 60.8%+20.3pp | 69.2%+11.9pp | 69.5%+11.5pp |
| Annual return | 13.55% | 21.07%-7.5pp | 35.62%-22.1pp | 73.15%-59.6pp |
| Employer contribution / active EE | $1,040 | $1,089-4.5% | $1,986-47.6% | $2,343-55.6% |
| Participant deferral / active EE | $2,116 | $2,210-4.3% | $2,958-28.5% | $3,332-36.5% |
| Admin fee / account holder | $495 | $3,709-86.7% | $5,134-90.4% | $4,645-89.4% |