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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 | $11,629 | $57,073-79.6% | $85,126-86.3% | $80,925-85.6% |
| Participation rate | 90.0% | 56.4%+33.6pp | 67.5%+22.5pp | 67.7%+22.3pp |
| Annual return | 12.57% | 21.69%-9.1pp | 66.63%-54.1pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,826 | $1,801+1.4% | $2,731-33.1% | $2,756-33.7% |
| Participant deferral / active EE | $3,398 | $3,113+9.1% | $4,523-24.9% | $4,299-21.0% |
| Admin fee / account holder | $1,083 | $4,988-78.3% | $6,160-82.4% | $6,940-84.4% |