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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 | $17,395 | $69,444-75.0% | $92,985-81.3% | $87,485-80.1% |
| Participation rate | 86.2% | 63.3%+22.9pp | 69.5%+16.7pp | 68.9%+17.3pp |
| Annual return | 16.14% | 23.85%-7.7pp | 27.99%-11.9pp | 26.06%-9.9pp |
| Employer contribution / active EE | $1,059 | $1,917-44.8% | $2,662-60.2% | $2,596-59.2% |
| Participant deferral / active EE | $2,745 | $3,364-18.4% | $4,377-37.3% | $4,274-35.8% |
| Admin fee / account holder | $733 | $6,137-88.1% | $9,463-92.3% | $7,775-90.6% |