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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 | $57,073-63.9% | $85,126-75.8% | $80,925-74.6% |
| Participation rate | 96.7% | 56.4%+40.3pp | 67.5%+29.1pp | 67.7%+29.0pp |
| Annual return | 11.96% | 21.69%-9.7pp | 66.63%-54.7pp | 35.65%-23.7pp |
| Employer contribution / active EE | $1,851 | $1,801+2.8% | $2,731-32.2% | $2,756-32.8% |
| Participant deferral / active EE | $3,334 | $3,113+7.1% | $4,523-26.3% | $4,299-22.5% |
| Admin fee / account holder | $1,071 | $4,988-78.5% | $6,160-82.6% | $6,940-84.6% |