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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 | $19,072 | $41,377-53.9% | $109,313-82.6% | $62,881-69.7% |
| Participation rate | 84.4% | 57.5%+26.9pp | 71.3%+13.2pp | 69.3%+15.1pp |
| Annual return | 8.92% | 11.05%-2.1pp | 22.07%-13.2pp | 20.14%-11.2pp |
| Employer contribution / active EE | $225 | $1,276-82.3% | $3,892-94.2% | $2,281-90.1% |
| Participant deferral / active EE | $1,067 | $2,045-47.8% | $3,166-66.3% | $3,203-66.7% |
| Admin fee / account holder | $461 | $2,884-84.0% | $5,666-91.9% | $4,296-89.3% |