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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 | $26,673 | $77,814-65.7% | $158,223-83.1% | $86,983-69.3% |
| Participation rate | 96.9% | 68.4%+28.5pp | 79.2%+17.7pp | 69.5%+27.3pp |
| Annual return | 12.21% | 30.54%-18.3pp | 52.09%-39.9pp | 25.83%-13.6pp |
| Employer contribution / active EE | $965 | $2,592-62.8% | $4,109-76.5% | $2,584-62.7% |
| Participant deferral / active EE | $3,319 | $3,270+1.5% | $5,467-39.3% | $4,194-20.9% |
| Admin fee / account holder | $634 | $5,879-89.2% | $16,047-96.0% | $7,856-91.9% |