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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 | $10,541 | $76,407-86.2% | $150,298-93.0% | $82,448-87.2% |
| Participation rate | 88.5% | 66.4%+22.1pp | 77.8%+10.7pp | 68.1%+20.4pp |
| Annual return | 16.20% | 39.99%-23.8pp | 62.79%-46.6pp | 41.64%-25.4pp |
| Employer contribution / active EE | $449 | $2,614-82.8% | $4,154-89.2% | $2,551-82.4% |
| Participant deferral / active EE | $1,845 | $3,214-42.6% | $5,453-66.2% | $4,139-55.4% |
| Admin fee / account holder | $776 | $6,352-87.8% | $14,116-94.5% | $7,234-89.3% |