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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 | $22,535 | $73,787-69.5% | $98,716-77.2% | $82,448-72.7% |
| Participation rate | 95.1% | 61.4%+33.7pp | 69.3%+25.8pp | 68.1%+27.1pp |
| Annual return | 15.94% | 18.57%-2.6pp | 31.81%-15.9pp | 41.64%-25.7pp |
| Employer contribution / active EE | $1,353 | $1,511-10.5% | $2,279-40.6% | $2,551-47.0% |
| Participant deferral / active EE | $4,733 | $3,081+53.6% | $4,048+16.9% | $4,139+14.3% |
| Admin fee / account holder | $3,375 | $6,500-48.1% | $8,703-61.2% | $7,234-53.3% |