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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 | $7,104 | $25,014-71.6% | $69,632-89.8% | $80,959-91.2% |
| Participation rate | 72.8% | 64.2%+8.6pp | 66.4%+6.4pp | 67.7%+5.2pp |
| Annual return | 27.49% | 19.08%+8.4pp | 101.32%-73.8pp | 35.67%-8.2pp |
| Employer contribution / active EE | $979 | $991-1.3% | $1,708-42.7% | $2,757-64.5% |
| Participant deferral / active EE | $2,691 | $1,840+46.3% | $2,889-6.9% | $4,300-37.4% |
| Admin fee / account holder | $1,596 | $2,491-35.9% | $4,695-66.0% | $6,925-76.9% |