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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 | $26,238 | $57,590-54.4% | $86,233-69.6% | $82,448-68.2% |
| Participation rate | 86.8% | 57.9%+28.9pp | 69.0%+17.8pp | 68.1%+18.7pp |
| Annual return | 14.88% | 22.41%-7.5pp | 61.39%-46.5pp | 41.64%-26.8pp |
| Employer contribution / active EE | $1,160 | $1,655-29.9% | $2,504-53.7% | $2,551-54.5% |
| Participant deferral / active EE | $2,441 | $3,080-20.7% | $4,559-46.5% | $4,139-41.0% |
| Admin fee / account holder | $2,333 | $4,730-50.7% | $8,342-72.0% | $7,234-67.7% |