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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 | $15,435 | $57,590-73.2% | $86,233-82.1% | $82,448-81.3% |
| Participation rate | 82.6% | 57.9%+24.7pp | 69.0%+13.6pp | 68.1%+14.5pp |
| Annual return | 17.12% | 22.41%-5.3pp | 61.39%-44.3pp | 41.64%-24.5pp |
| Employer contribution / active EE | $1,088 | $1,655-34.3% | $2,504-56.5% | $2,551-57.3% |
| Participant deferral / active EE | $2,657 | $3,080-13.7% | $4,559-41.7% | $4,139-35.8% |
| Admin fee / account holder | $1,021 | $4,730-78.4% | $8,342-87.8% | $7,234-85.9% |