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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 | $13,824 | $57,140-75.8% | $85,240-83.8% | $80,959-82.9% |
| Participation rate | 97.2% | 56.4%+40.8pp | 67.5%+29.7pp | 67.7%+29.6pp |
| Annual return | 11.61% | 21.71%-10.1pp | 66.75%-55.1pp | 35.67%-24.1pp |
| Employer contribution / active EE | $1,287 | $1,802-28.6% | $2,735-53.0% | $2,757-53.3% |
| Participant deferral / active EE | $3,073 | $3,115-1.4% | $4,527-32.1% | $4,300-28.5% |
| Admin fee / account holder | $452 | $4,992-91.0% | $6,165-92.7% | $6,925-93.5% |