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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 | $15,771 | $57,590-72.6% | $86,233-81.7% | $82,448-80.9% |
| Participation rate | 81.3% | 57.9%+23.4pp | 69.0%+12.2pp | 68.1%+13.2pp |
| Annual return | 15.73% | 22.41%-6.7pp | 61.39%-45.7pp | 41.64%-25.9pp |
| Employer contribution / active EE | $1,729 | $1,655+4.5% | $2,504-31.0% | $2,551-32.2% |
| Participant deferral / active EE | $2,932 | $3,080-4.8% | $4,559-35.7% | $4,139-29.2% |
| Admin fee / account holder | $572 | $4,730-87.9% | $8,342-93.1% | $7,234-92.1% |