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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 | $22,889 | $78,690-70.9% | $161,489-85.8% | $87,485-73.8% |
| Participation rate | 94.4% | 67.5%+27.0pp | 78.7%+15.7pp | 68.9%+25.5pp |
| Annual return | 16.12% | 32.74%-16.6pp | 89.72%-73.6pp | 26.06%-9.9pp |
| Employer contribution / active EE | $920 | $2,588-64.5% | $4,268-78.5% | $2,596-64.6% |
| Participant deferral / active EE | $2,376 | $3,311-28.2% | $5,630-57.8% | $4,274-44.4% |
| Admin fee / account holder | $894 | $6,724-86.7% | $16,006-94.4% | $7,775-88.5% |