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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 | $45,441 | $71,230-36.2% | $93,727-51.5% | $80,959-43.9% |
| Participation rate | 96.3% | 60.4%+35.9pp | 68.7%+27.6pp | 67.7%+28.6pp |
| Annual return | 12.14% | 11.26%+0.9pp | 133.83%-121.7pp | 35.67%-23.5pp |
| Employer contribution / active EE | $1,482 | $1,565-5.3% | $2,421-38.8% | $2,757-46.2% |
| Participant deferral / active EE | $1,886 | $4,037-53.3% | $4,417-57.3% | $4,300-56.1% |
| Admin fee / account holder | $530 | $6,961-92.4% | $8,292-93.6% | $6,925-92.4% |