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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 | $11,875 | $57,590-79.4% | $86,233-86.2% | $82,448-85.6% |
| Participation rate | 81.3% | 57.9%+23.4pp | 69.0%+12.2pp | 68.1%+13.2pp |
| Annual return | 19.21% | 22.41%-3.2pp | 61.39%-42.2pp | 41.64%-22.4pp |
| Employer contribution / active EE | $2,274 | $1,655+37.4% | $2,504-9.2% | $2,551-10.8% |
| Participant deferral / active EE | $4,221 | $3,080+37.1% | $4,559-7.4% | $4,139+2.0% |
| Admin fee / account holder | $1,864 | $4,730-60.6% | $8,342-77.7% | $7,234-74.2% |