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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 | $15,670 | $32,037-51.1% | $69,182-77.3% | $62,881-75.1% |
| Participation rate | 73.8% | 43.4%+30.4pp | 55.1%+18.7pp | 69.3%+4.5pp |
| Annual return | 5.53% | 15.16%-9.6pp | -21.93%+27.5pp | 20.14%-14.6pp |
| Employer contribution / active EE | $784 | $679+15.4% | $1,206-35.0% | $2,281-65.6% |
| Participant deferral / active EE | $1,409 | $1,185+18.9% | $1,897-25.7% | $3,203-56.0% |
| Admin fee / account holder | $728 | $2,608-72.1% | $2,697-73.0% | $4,296-83.0% |