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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 | $57,061-70.2% | $85,063-80.0% | $80,911-79.0% |
| Participation rate | 86.7% | 56.3%+30.3pp | 67.5%+19.2pp | 67.6%+19.0pp |
| Annual return | 14.53% | 21.66%-7.1pp | 66.54%-52.0pp | 35.63%-21.1pp |
| Employer contribution / active EE | $1,778 | $1,799-1.1% | $2,727-34.8% | $2,756-35.5% |
| Participant deferral / active EE | $2,352 | $3,110-24.4% | $4,523-48.0% | $4,297-45.3% |
| Admin fee / account holder | $3,420 | $4,986-31.4% | $6,155-44.4% | $6,935-50.7% |