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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 | $8,722 | $57,140-84.7% | $85,240-89.8% | $80,959-89.2% |
| Participation rate | 96.2% | 56.4%+39.7pp | 67.5%+28.6pp | 67.7%+28.5pp |
| Annual return | 16.94% | 21.71%-4.8pp | 66.75%-49.8pp | 35.67%-18.7pp |
| Employer contribution / active EE | $1,329 | $1,802-26.2% | $2,735-51.4% | $2,757-51.8% |
| Participant deferral / active EE | $2,998 | $3,115-3.8% | $4,527-33.8% | $4,300-30.3% |
| Admin fee / account holder | $843 | $4,992-83.1% | $6,165-86.3% | $6,925-87.8% |