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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 | $8,617 | $58,627-85.3% | $76,735-88.8% | $82,448-89.5% |
| Participation rate | 84.0% | 63.2%+20.8pp | 69.5%+14.5pp | 68.1%+15.9pp |
| Annual return | 19.57% | 39.10%-19.5pp | 29.77%-10.2pp | 41.64%-22.1pp |
| Employer contribution / active EE | $1,309 | $1,729-24.3% | $2,454-46.7% | $2,551-48.7% |
| Participant deferral / active EE | $3,259 | $3,134+4.0% | $4,088-20.3% | $4,139-21.3% |
| Admin fee / account holder | $2,992 | $5,323-43.8% | $7,189-58.4% | $7,234-58.6% |