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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 | $15,314 | $57,057-73.2% | $85,009-82.0% | $80,874-81.1% |
| Participation rate | 78.4% | 56.4%+22.0pp | 67.5%+10.9pp | 67.6%+10.7pp |
| Annual return | 13.53% | 21.66%-8.1pp | 66.47%-52.9pp | 35.62%-22.1pp |
| Employer contribution / active EE | $1,496 | $1,799-16.9% | $2,728-45.2% | $2,756-45.7% |
| Participant deferral / active EE | $985 | $3,112-68.3% | $4,522-78.2% | $4,297-77.1% |
| Admin fee / account holder | $1,039 | $4,986-79.2% | $6,153-83.1% | $6,935-85.0% |