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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 | $11,143 | $81,276-86.3% | $155,574-92.8% | $80,925-86.2% |
| Participation rate | 72.2% | 66.2%+6.0pp | 78.2%-6.0pp | 67.7%+4.6pp |
| Annual return | 14.85% | 33.36%-18.5pp | 64.87%-50.0pp | 35.65%-20.8pp |
| Employer contribution / active EE | $383 | $3,103-87.7% | $4,676-91.8% | $2,756-86.1% |
| Participant deferral / active EE | $2,689 | $3,453-22.1% | $5,629-52.2% | $4,299-37.4% |
| Admin fee / account holder | $434 | $7,993-94.6% | $15,914-97.3% | $6,940-93.7% |