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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 | $7,995 | $75,541-89.4% | $152,093-94.7% | $82,637-90.3% |
| Participation rate | 97.5% | 66.5%+31.0pp | 77.8%+19.7pp | 68.1%+29.4pp |
| Annual return | 20.36% | 32.56%-12.2pp | 66.36%-46.0pp | 53.51%-33.1pp |
| Employer contribution / active EE | $906 | $2,622-65.4% | $4,175-78.3% | $2,552-64.5% |
| Participant deferral / active EE | $1,611 | $3,206-49.7% | $5,451-70.4% | $4,126-61.0% |
| Admin fee / account holder | $1,039 | $6,405-83.8% | $14,497-92.8% | $7,339-85.8% |