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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 | $7,206 | $58,627-87.7% | $76,735-90.6% | $82,448-91.3% |
| Participation rate | 81.0% | 63.2%+17.7pp | 69.5%+11.5pp | 68.1%+12.9pp |
| Annual return | 17.79% | 39.10%-21.3pp | 29.77%-12.0pp | 41.64%-23.9pp |
| Employer contribution / active EE | $804 | $1,729-53.5% | $2,454-67.2% | $2,551-68.5% |
| Participant deferral / active EE | $2,252 | $3,134-28.1% | $4,088-44.9% | $4,139-45.6% |
| Admin fee / account holder | $988 | $5,323-81.4% | $7,189-86.3% | $7,234-86.3% |