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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 | $18,119 | $41,377-56.2% | $109,313-83.4% | $62,881-71.2% |
| Participation rate | 96.2% | 57.5%+38.6pp | 71.3%+24.9pp | 69.3%+26.8pp |
| Annual return | 7.01% | 11.05%-4.0pp | 22.07%-15.1pp | 20.14%-13.1pp |
| Employer contribution / active EE | $608 | $1,276-52.3% | $3,892-84.4% | $2,281-73.3% |
| Participant deferral / active EE | $1,723 | $2,045-15.8% | $3,166-45.6% | $3,203-46.2% |
| Admin fee / account holder | $441 | $2,884-84.7% | $5,666-92.2% | $4,296-89.7% |