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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 | $17,001 | $57,140-70.2% | $85,240-80.1% | $80,959-79.0% |
| Participation rate | 86.7% | 56.4%+30.3pp | 67.5%+19.1pp | 67.7%+19.0pp |
| Annual return | 14.53% | 21.71%-7.2pp | 66.75%-52.2pp | 35.67%-21.1pp |
| Employer contribution / active EE | $1,778 | $1,802-1.3% | $2,735-35.0% | $2,757-35.5% |
| Participant deferral / active EE | $2,352 | $3,115-24.5% | $4,527-48.1% | $4,300-45.3% |
| Admin fee / account holder | $3,420 | $4,992-31.5% | $6,165-44.5% | $6,925-50.6% |