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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 | $7,210 | $57,590-87.5% | $86,233-91.6% | $82,448-91.3% |
| Participation rate | 96.2% | 57.9%+38.3pp | 69.0%+27.1pp | 68.1%+28.1pp |
| Annual return | 13.90% | 22.41%-8.5pp | 61.39%-47.5pp | 41.64%-27.7pp |
| Employer contribution / active EE | $995 | $1,655-39.9% | $2,504-60.3% | $2,551-61.0% |
| Participant deferral / active EE | $1,718 | $3,080-44.2% | $4,559-62.3% | $4,139-58.5% |
| Admin fee / account holder | $1,583 | $4,730-66.5% | $8,342-81.0% | $7,234-78.1% |