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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 | $57,073-73.2% | $85,126-82.0% | $80,925-81.1% |
| Participation rate | 78.4% | 56.4%+22.0pp | 67.5%+10.9pp | 67.7%+10.7pp |
| Annual return | 13.53% | 21.69%-8.2pp | 66.63%-53.1pp | 35.65%-22.1pp |
| Employer contribution / active EE | $1,496 | $1,801-16.9% | $2,731-45.2% | $2,756-45.7% |
| Participant deferral / active EE | $985 | $3,113-68.4% | $4,523-78.2% | $4,299-77.1% |
| Admin fee / account holder | $1,039 | $4,988-79.2% | $6,160-83.1% | $6,940-85.0% |