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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 | $14,573 | $36,948-60.6% | $73,658-80.2% | $87,485-83.3% |
| Participation rate | 82.9% | 46.8%+36.1pp | 57.0%+25.9pp | 68.9%+14.0pp |
| Annual return | 21.34% | 28.64%-7.3pp | 29.72%-8.4pp | 26.06%-4.7pp |
| Employer contribution / active EE | $1,676 | $670+150.2% | $1,032+62.4% | $2,596-35.4% |
| Participant deferral / active EE | $2,316 | $1,379+68.0% | $2,062+12.3% | $4,274-45.8% |
| Admin fee / account holder | $1,254 | $2,531-50.4% | $3,357-62.6% | $7,775-83.9% |