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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 | $12,407 | $75,541-83.6% | $152,093-91.8% | $82,637-85.0% |
| Participation rate | 83.3% | 66.5%+16.8pp | 77.8%+5.6pp | 68.1%+15.3pp |
| Annual return | 23.45% | 32.56%-9.1pp | 66.36%-42.9pp | 53.51%-30.1pp |
| Employer contribution / active EE | $1,027 | $2,622-60.8% | $4,175-75.4% | $2,552-59.7% |
| Participant deferral / active EE | $2,128 | $3,206-33.6% | $5,451-61.0% | $4,126-48.4% |
| Admin fee / account holder | $588 | $6,405-90.8% | $14,497-95.9% | $7,339-92.0% |