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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 | $12,221 | $57,073-78.6% | $85,126-85.6% | $80,925-84.9% |
| Participation rate | 80.0% | 56.4%+23.6pp | 67.5%+12.5pp | 67.7%+12.3pp |
| Annual return | 21.99% | 21.69%+0.3pp | 66.63%-44.6pp | 35.65%-13.7pp |
| Employer contribution / active EE | $1,853 | $1,801+2.9% | $2,731-32.2% | $2,756-32.8% |
| Participant deferral / active EE | $2,724 | $3,113-12.5% | $4,523-39.8% | $4,299-36.6% |
| Admin fee / account holder | $1,015 | $4,988-79.6% | $6,160-83.5% | $6,940-85.4% |