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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 | $7,788 | $37,446-79.2% | $77,552-90.0% | $79,856-90.2% |
| Participation rate | 100.0% | 41.5%+58.5pp | 54.2%+45.8pp | 69.6%+30.4pp |
| Annual return | 20.37% | 39.76%-19.4pp | 54.82%-34.4pp | 31.71%-11.3pp |
| Employer contribution / active EE | $808 | $637+26.9% | $987-18.1% | $2,471-67.3% |
| Participant deferral / active EE | $1,311 | $1,261+3.9% | $1,861-29.6% | $3,741-65.0% |
| Admin fee / account holder | $497 | $2,506-80.2% | $2,859-82.6% | $5,306-90.6% |