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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 | $9,803 | $57,140-82.8% | $85,240-88.5% | $80,959-87.9% |
| Participation rate | 71.4% | 56.4%+15.0pp | 67.5%+3.9pp | 67.7%+3.8pp |
| Annual return | 13.79% | 21.71%-7.9pp | 66.75%-53.0pp | 35.67%-21.9pp |
| Employer contribution / active EE | $1,893 | $1,802+5.1% | $2,735-30.8% | $2,757-31.3% |
| Participant deferral / active EE | $4,045 | $3,115+29.9% | $4,527-10.6% | $4,300-5.9% |
| Admin fee / account holder | $1,352 | $4,992-72.9% | $6,165-78.1% | $6,925-80.5% |