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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 | $11,876 | $36,948-67.9% | $73,658-83.9% | $87,485-86.4% |
| Participation rate | 90.6% | 46.8%+43.8pp | 57.0%+33.6pp | 68.9%+21.7pp |
| Annual return | 18.71% | 28.64%-9.9pp | 29.72%-11.0pp | 26.06%-7.4pp |
| Employer contribution / active EE | $246 | $670-63.3% | $1,032-76.2% | $2,596-90.5% |
| Participant deferral / active EE | $1,018 | $1,379-26.2% | $2,062-50.6% | $4,274-76.2% |
| Admin fee / account holder | $422 | $2,531-83.3% | $3,357-87.4% | $7,775-94.6% |