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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 | $9,472 | $51,202-81.5% | $70,548-86.6% | $75,181-87.4% |
| Participation rate | 95.1% | 61.0%+34.1pp | 68.3%+26.7pp | 67.2%+27.9pp |
| Annual return | 21.26% | 30.05%-8.8pp | 32.78%-11.5pp | 160.69%-139.4pp |
| Employer contribution / active EE | $1,730 | $1,827-5.3% | $2,975-41.9% | $2,671-35.2% |
| Participant deferral / active EE | $2,236 | $2,850-21.5% | $4,567-51.0% | $4,126-45.8% |
| Admin fee / account holder | $368 | $4,094-91.0% | $6,424-94.3% | $5,650-93.5% |