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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 | $57,590-82.8% | $86,233-88.5% | $82,448-88.0% |
| Participation rate | 86.7% | 57.9%+28.8pp | 69.0%+17.6pp | 68.1%+18.6pp |
| Annual return | 34.60% | 22.41%+12.2pp | 61.39%-26.8pp | 41.64%-7.0pp |
| Employer contribution / active EE | $1,159 | $1,655-30.0% | $2,504-53.7% | $2,551-54.6% |
| Participant deferral / active EE | $3,012 | $3,080-2.2% | $4,559-33.9% | $4,139-27.2% |
| Admin fee / account holder | $359 | $4,730-92.4% | $8,342-95.7% | $7,234-95.0% |