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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 | $18,480 | $57,119-67.6% | $85,187-78.3% | $80,935-77.2% |
| Participation rate | 85.1% | 56.4%+28.7pp | 67.5%+17.6pp | 67.7%+17.4pp |
| Annual return | 11.24% | 21.70%-10.5pp | 66.67%-55.4pp | 35.66%-24.4pp |
| Employer contribution / active EE | $1,216 | $1,802-32.5% | $2,732-55.5% | $2,757-55.9% |
| Participant deferral / active EE | $2,255 | $3,115-27.6% | $4,525-50.2% | $4,299-47.6% |
| Admin fee / account holder | $658 | $4,990-86.8% | $6,162-89.3% | $6,924-90.5% |