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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 | $25,450 | $57,057-55.4% | $85,009-70.1% | $80,874-68.5% |
| Participation rate | 89.3% | 56.4%+32.9pp | 67.5%+21.8pp | 67.6%+21.6pp |
| Annual return | 12.45% | 21.66%-9.2pp | 66.47%-54.0pp | 35.62%-23.2pp |
| Employer contribution / active EE | $2,280 | $1,799+26.8% | $2,728-16.4% | $2,756-17.3% |
| Participant deferral / active EE | $2,767 | $3,112-11.1% | $4,522-38.8% | $4,297-35.6% |
| Admin fee / account holder | $1,333 | $4,986-73.3% | $6,153-78.3% | $6,935-80.8% |