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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 | $10,024 | $36,948-72.9% | $73,658-86.4% | $87,485-88.5% |
| Participation rate | 84.1% | 46.8%+37.3pp | 57.0%+27.1pp | 68.9%+15.2pp |
| Annual return | 15.92% | 28.64%-12.7pp | 29.72%-13.8pp | 26.06%-10.1pp |
| Employer contribution / active EE | $468 | $670-30.1% | $1,032-54.6% | $2,596-82.0% |
| Participant deferral / active EE | $578 | $1,379-58.1% | $2,062-72.0% | $4,274-86.5% |
| Admin fee / account holder | $802 | $2,531-68.3% | $3,357-76.1% | $7,775-89.7% |