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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 | $13,010 | $76,407-83.0% | $150,298-91.3% | $82,448-84.2% |
| Participation rate | 93.1% | 66.4%+26.7pp | 77.8%+15.3pp | 68.1%+25.0pp |
| Annual return | 21.96% | 39.99%-18.0pp | 62.79%-40.8pp | 41.64%-19.7pp |
| Employer contribution / active EE | $889 | $2,614-66.0% | $4,154-78.6% | $2,551-65.2% |
| Participant deferral / active EE | $4,257 | $3,214+32.4% | $5,453-21.9% | $4,139+2.8% |
| Admin fee / account holder | $1,990 | $6,352-68.7% | $14,116-85.9% | $7,234-72.5% |