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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 | $8,953 | $36,948-75.8% | $73,658-87.8% | $87,485-89.8% |
| Participation rate | 90.9% | 46.8%+44.1pp | 57.0%+33.9pp | 68.9%+22.0pp |
| Annual return | 19.58% | 28.64%-9.1pp | 29.72%-10.1pp | 26.06%-6.5pp |
| Employer contribution / active EE | $1,804 | $670+169.2% | $1,032+74.7% | $2,596-30.5% |
| Participant deferral / active EE | $826 | $1,379-40.1% | $2,062-59.9% | $4,274-80.7% |
| Admin fee / account holder | $914 | $2,531-63.9% | $3,357-72.8% | $7,775-88.2% |