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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 | $28,474 | $58,848-51.6% | $88,179-67.7% | $82,637-65.5% |
| Participation rate | 88.1% | 57.9%+30.2pp | 69.1%+19.0pp | 68.1%+20.0pp |
| Annual return | 18.04% | 22.76%-4.7pp | 64.97%-46.9pp | 53.51%-35.5pp |
| Employer contribution / active EE | $1,264 | $1,678-24.7% | $2,549-50.4% | $2,552-50.5% |
| Participant deferral / active EE | $3,125 | $3,1240% | $4,614-32.3% | $4,126-24.3% |
| Admin fee / account holder | $723 | $4,795-84.9% | $7,673-90.6% | $7,339-90.2% |