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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 | $17,059 | $58,627-70.9% | $76,735-77.8% | $82,448-79.3% |
| Participation rate | 78.7% | 63.2%+15.5pp | 69.5%+9.2pp | 68.1%+10.7pp |
| Annual return | 19.57% | 39.10%-19.5pp | 29.77%-10.2pp | 41.64%-22.1pp |
| Employer contribution / active EE | $914 | $1,729-47.1% | $2,454-62.7% | $2,551-64.2% |
| Participant deferral / active EE | $1,368 | $3,134-56.4% | $4,088-66.5% | $4,139-67.0% |
| Admin fee / account holder | $774 | $5,323-85.5% | $7,189-89.2% | $7,234-89.3% |