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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 | $18,087 | $49,249-63.3% | $70,476-74.3% | $79,852-77.3% |
| Participation rate | 72.3% | 69.2%+3.2pp | 75.1%-2.7pp | 69.6%+2.7pp |
| Annual return | 22.56% | 30.09%-7.5pp | 109.12%-86.6pp | 31.72%-9.2pp |
| Employer contribution / active EE | $1,016 | $2,100-51.6% | $2,738-62.9% | $2,471-58.9% |
| Participant deferral / active EE | $1,915 | $2,769-30.9% | $3,710-48.4% | $3,740-48.8% |
| Admin fee / account holder | $470 | $2,878-83.7% | $3,847-87.8% | $5,306-91.1% |