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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 | $12,063 | $81,276-85.2% | $155,574-92.2% | $80,925-85.1% |
| Participation rate | 82.1% | 66.2%+15.8pp | 78.2%+3.8pp | 67.7%+14.4pp |
| Annual return | 12.64% | 33.36%-20.7pp | 64.87%-52.2pp | 35.65%-23.0pp |
| Employer contribution / active EE | $1,275 | $3,103-58.9% | $4,676-72.7% | $2,756-53.7% |
| Participant deferral / active EE | $1,918 | $3,453-44.5% | $5,629-65.9% | $4,299-55.4% |
| Admin fee / account holder | $1,462 | $7,993-81.7% | $15,914-90.8% | $6,940-78.9% |