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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 | $8,254 | $36,948-77.7% | $73,658-88.8% | $87,485-90.6% |
| Participation rate | 80.5% | 46.8%+33.7pp | 57.0%+23.4pp | 68.9%+11.6pp |
| Annual return | 24.25% | 28.64%-4.4pp | 29.72%-5.5pp | 26.06%-1.8pp |
| Employer contribution / active EE | $901 | $670+34.4% | $1,032-12.8% | $2,596-65.3% |
| Participant deferral / active EE | $2,146 | $1,379+55.6% | $2,062+4.1% | $4,274-49.8% |
| Admin fee / account holder | $867 | $2,531-65.7% | $3,357-74.2% | $7,775-88.8% |