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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 | $18,491 | $37,156-50.2% | $83,854-77.9% | $86,983-78.7% |
| Participation rate | 81.0% | 49.1%+32.0pp | 59.1%+21.9pp | 69.5%+11.5pp |
| Annual return | 13.30% | 29.88%-16.6pp | 31.39%-18.1pp | 25.83%-12.5pp |
| Employer contribution / active EE | $2,825 | $661+327.4% | $1,017+177.7% | $2,584+9.3% |
| Participant deferral / active EE | $2,407 | $1,418+69.8% | $2,035+18.3% | $4,194-42.6% |
| Admin fee / account holder | $462 | $2,510-81.6% | $3,197-85.5% | $7,856-94.1% |