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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 | $20,022 | $57,073-64.9% | $85,126-76.5% | $80,925-75.3% |
| Participation rate | 73.1% | 56.4%+16.7pp | 67.5%+5.6pp | 67.7%+5.4pp |
| Annual return | 27.17% | 21.69%+5.5pp | 66.63%-39.5pp | 35.65%-8.5pp |
| Employer contribution / active EE | $287 | $1,801-84.0% | $2,731-89.5% | $2,756-89.6% |
| Participant deferral / active EE | $5,833 | $3,113+87.4% | $4,523+29.0% | $4,299+35.7% |
| Admin fee / account holder | $1,534 | $4,988-69.3% | $6,160-75.1% | $6,940-77.9% |