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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 | $7,023 | $36,948-81.0% | $73,658-90.5% | $87,485-92.0% |
| Participation rate | 88.0% | 46.8%+41.2pp | 57.0%+31.0pp | 68.9%+19.1pp |
| Annual return | 27.23% | 28.64%-1.4pp | 29.72%-2.5pp | 26.06%+1.2pp |
| Employer contribution / active EE | $1,290 | $670+92.6% | $1,032+25.0% | $2,596-50.3% |
| Participant deferral / active EE | $1,975 | $1,379+43.2% | $2,062-4.2% | $4,274-53.8% |
| Admin fee / account holder | $765 | $2,531-69.8% | $3,357-77.2% | $7,775-90.2% |