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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 | $20,582 | $57,140-64.0% | $85,240-75.9% | $80,959-74.6% |
| Participation rate | 96.7% | 56.4%+40.3pp | 67.5%+29.1pp | 67.7%+29.0pp |
| Annual return | 11.96% | 21.71%-9.7pp | 66.75%-54.8pp | 35.67%-23.7pp |
| Employer contribution / active EE | $1,851 | $1,802+2.7% | $2,735-32.3% | $2,757-32.9% |
| Participant deferral / active EE | $3,334 | $3,115+7.0% | $4,527-26.4% | $4,300-22.5% |
| Admin fee / account holder | $1,071 | $4,992-78.5% | $6,165-82.6% | $6,925-84.5% |