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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 | $18,504 | $58,627-68.4% | $76,735-75.9% | $82,448-77.6% |
| Participation rate | 94.3% | 63.2%+31.1pp | 69.5%+24.8pp | 68.1%+26.2pp |
| Annual return | 17.86% | 39.10%-21.2pp | 29.77%-11.9pp | 41.64%-23.8pp |
| Employer contribution / active EE | $1,003 | $1,729-42.0% | $2,454-59.2% | $2,551-60.7% |
| Participant deferral / active EE | $2,953 | $3,134-5.8% | $4,088-27.8% | $4,139-28.7% |
| Admin fee / account holder | $931 | $5,323-82.5% | $7,189-87.1% | $7,234-87.1% |