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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 | $29,911 | $60,349-50.4% | $74,184-59.7% | $62,881-52.4% |
| Participation rate | 91.1% | 72.7%+18.4pp | 76.6%+14.5pp | 69.3%+21.8pp |
| Annual return | 17.28% | 21.38%-4.1pp | 17.74%-0.5pp | 20.14%-2.9pp |
| Employer contribution / active EE | $1,038 | $1,680-38.2% | $2,370-56.2% | $2,281-54.5% |
| Participant deferral / active EE | $2,082 | $2,856-27.1% | $3,550-41.3% | $3,203-35.0% |
| Admin fee / account holder | $837 | $4,261-80.4% | $5,586-85.0% | $4,296-80.5% |