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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 | $7,644 | $75,541-89.9% | $152,093-95.0% | $82,637-90.7% |
| Participation rate | 70.6% | 66.5%+4.0pp | 77.8%-7.2pp | 68.1%+2.5pp |
| Annual return | 22.79% | 32.56%-9.8pp | 66.36%-43.6pp | 53.51%-30.7pp |
| Employer contribution / active EE | $1,022 | $2,622-61.0% | $4,175-75.5% | $2,552-60.0% |
| Participant deferral / active EE | $2,053 | $3,206-36.0% | $5,451-62.3% | $4,126-50.2% |
| Admin fee / account holder | $543 | $6,405-91.5% | $14,497-96.3% | $7,339-92.6% |