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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 | $15,190 | $58,057-73.8% | $97,032-84.3% | $86,983-82.5% |
| Participation rate | 74.2% | 60.4%+13.8pp | 71.6%+2.6pp | 69.5%+4.7pp |
| Annual return | 14.53% | 22.26%-7.7pp | 35.38%-20.8pp | 25.83%-11.3pp |
| Employer contribution / active EE | $1,338 | $1,663-19.6% | $2,629-49.1% | $2,584-48.2% |
| Participant deferral / active EE | $2,313 | $3,244-28.7% | $4,672-50.5% | $4,194-44.8% |
| Admin fee / account holder | $454 | $4,839-90.6% | $9,418-95.2% | $7,856-94.2% |