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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 | $15,155 | $81,262-81.4% | $155,602-90.3% | $80,911-81.3% |
| Participation rate | 93.3% | 66.2%+27.1pp | 78.2%+15.1pp | 67.6%+25.7pp |
| Annual return | 11.80% | 33.34%-21.5pp | 64.81%-53.0pp | 35.63%-23.8pp |
| Employer contribution / active EE | $1,444 | $3,102-53.4% | $4,675-69.1% | $2,756-47.6% |
| Participant deferral / active EE | $2,662 | $3,451-22.9% | $5,629-52.7% | $4,297-38.0% |
| Admin fee / account holder | $830 | $7,992-89.6% | $15,923-94.8% | $6,935-88.0% |