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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 | $57,140-55.5% | $85,240-70.1% | $80,959-68.6% |
| Participation rate | 89.3% | 56.4%+32.9pp | 67.5%+21.8pp | 67.7%+21.6pp |
| Annual return | 12.45% | 21.71%-9.3pp | 66.75%-54.3pp | 35.67%-23.2pp |
| Employer contribution / active EE | $2,280 | $1,802+26.5% | $2,735-16.6% | $2,757-17.3% |
| Participant deferral / active EE | $2,767 | $3,115-11.2% | $4,527-38.9% | $4,300-35.7% |
| Admin fee / account holder | $1,333 | $4,992-73.3% | $6,165-78.4% | $6,925-80.8% |