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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 | $27,200 | $57,119-52.4% | $85,187-68.1% | $80,935-66.4% |
| Participation rate | 84.6% | 56.4%+28.2pp | 67.5%+17.1pp | 67.7%+17.0pp |
| Annual return | 14.65% | 21.70%-7.0pp | 66.67%-52.0pp | 35.66%-21.0pp |
| Employer contribution / active EE | $1,474 | $1,802-18.2% | $2,732-46.1% | $2,757-46.5% |
| Participant deferral / active EE | $2,185 | $3,115-29.8% | $4,525-51.7% | $4,299-49.2% |
| Admin fee / account holder | $1,967 | $4,990-60.6% | $6,162-68.1% | $6,924-71.6% |