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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 | $13,408 | $58,627-77.1% | $76,735-82.5% | $82,448-83.7% |
| Participation rate | 78.1% | 63.2%+14.9pp | 69.5%+8.6pp | 68.1%+10.1pp |
| Annual return | 16.12% | 39.10%-23.0pp | 29.77%-13.7pp | 41.64%-25.5pp |
| Employer contribution / active EE | $660 | $1,729-61.9% | $2,454-73.1% | $2,551-74.1% |
| Participant deferral / active EE | $2,484 | $3,134-20.7% | $4,088-39.2% | $4,139-40.0% |
| Admin fee / account holder | $2,130 | $5,323-60.0% | $7,189-70.4% | $7,234-70.6% |