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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 | $9,884 | $60,442-83.6% | $96,754-89.8% | $87,485-88.7% |
| Participation rate | 86.7% | 58.7%+28.0pp | 70.3%+16.4pp | 68.9%+17.7pp |
| Annual return | 34.60% | 21.97%+12.6pp | 82.04%-47.4pp | 26.06%+8.5pp |
| Employer contribution / active EE | $1,159 | $1,691-31.5% | $2,679-56.7% | $2,596-55.4% |
| Participant deferral / active EE | $3,012 | $3,280-8.2% | $4,758-36.7% | $4,274-29.5% |
| Admin fee / account holder | $359 | $5,069-92.9% | $8,905-96.0% | $7,775-95.4% |