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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 | $18,533 | $46,877-60.5% | $122,354-84.9% | $70,126-73.6% |
| Participation rate | 82.8% | 58.2%+24.5pp | 71.6%+11.1pp | 69.5%+13.2pp |
| Annual return | 17.35% | 24.22%-6.9pp | 30.28%-12.9pp | 73.15%-55.8pp |
| Employer contribution / active EE | $657 | $1,288-49.0% | $4,051-83.8% | $2,343-72.0% |
| Participant deferral / active EE | $1,733 | $2,167-20.0% | $3,287-47.3% | $3,332-48.0% |
| Admin fee / account holder | $4,716 | $3,324+41.9% | $5,479-13.9% | $4,645+1.5% |