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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 | $57,590-73.6% | $86,233-82.4% | $82,448-81.6% |
| Participation rate | 74.2% | 57.9%+16.3pp | 69.0%+5.2pp | 68.1%+6.1pp |
| Annual return | 14.53% | 22.41%-7.9pp | 61.39%-46.9pp | 41.64%-27.1pp |
| Employer contribution / active EE | $1,338 | $1,655-19.2% | $2,504-46.6% | $2,551-47.6% |
| Participant deferral / active EE | $2,313 | $3,080-24.9% | $4,559-49.3% | $4,139-44.1% |
| Admin fee / account holder | $454 | $4,730-90.4% | $8,342-94.6% | $7,234-93.7% |