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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 | $57,073-82.9% | $85,126-88.5% | $80,925-87.9% |
| Participation rate | 76.5% | 56.4%+20.1pp | 67.5%+8.9pp | 67.7%+8.8pp |
| Annual return | 16.70% | 21.69%-5.0pp | 66.63%-49.9pp | 35.65%-19.0pp |
| Employer contribution / active EE | $2,291 | $1,801+27.2% | $2,731-16.1% | $2,756-16.9% |
| Participant deferral / active EE | $2,781 | $3,113-10.7% | $4,523-38.5% | $4,299-35.3% |
| Admin fee / account holder | $1,037 | $4,988-79.2% | $6,160-83.2% | $6,940-85.1% |