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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 | $9,759 | $57,140-82.9% | $85,240-88.6% | $80,959-87.9% |
| Participation rate | 76.5% | 56.4%+20.1pp | 67.5%+8.9pp | 67.7%+8.8pp |
| Annual return | 16.70% | 21.71%-5.0pp | 66.75%-50.1pp | 35.67%-19.0pp |
| Employer contribution / active EE | $2,291 | $1,802+27.1% | $2,735-16.3% | $2,757-16.9% |
| Participant deferral / active EE | $2,781 | $3,115-10.7% | $4,527-38.6% | $4,300-35.3% |
| Admin fee / account holder | $1,037 | $4,992-79.2% | $6,165-83.2% | $6,925-85.0% |