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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 | $12,069 | $57,590-79.0% | $86,233-86.0% | $82,448-85.4% |
| Participation rate | 77.8% | 57.9%+19.9pp | 69.0%+8.8pp | 68.1%+9.7pp |
| Annual return | 16.75% | 22.41%-5.7pp | 61.39%-44.6pp | 41.64%-24.9pp |
| Employer contribution / active EE | $971 | $1,655-41.3% | $2,504-61.2% | $2,551-61.9% |
| Participant deferral / active EE | $4,296 | $3,080+39.5% | $4,559-5.8% | $4,139+3.8% |
| Admin fee / account holder | $2,165 | $4,730-54.2% | $8,342-74.1% | $7,234-70.1% |