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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 | $57,073-70.2% | $85,126-80.0% | $80,925-79.0% |
| Participation rate | 86.7% | 56.4%+30.3pp | 67.5%+19.1pp | 67.7%+19.0pp |
| Annual return | 14.53% | 21.69%-7.2pp | 66.63%-52.1pp | 35.65%-21.1pp |
| Employer contribution / active EE | $1,778 | $1,801-1.2% | $2,731-34.9% | $2,756-35.5% |
| Participant deferral / active EE | $2,352 | $3,113-24.5% | $4,523-48.0% | $4,299-45.3% |
| Admin fee / account holder | $3,420 | $4,988-31.4% | $6,160-44.5% | $6,940-50.7% |