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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 | $26,599 | $77,472-65.7% | $100,415-73.5% | $80,959-67.1% |
| Participation rate | 100.0% | 76.9%+23.1pp | 81.5%+18.5pp | 67.7%+32.3pp |
| Annual return | 19.21% | 37.26%-18.0pp | 49.47%-30.3pp | 35.67%-16.5pp |
| Employer contribution / active EE | $846 | $2,800-69.8% | $3,943-78.5% | $2,757-69.3% |
| Participant deferral / active EE | $7,974 | $6,818+17.0% | $8,091-1.5% | $4,300+85.4% |
| Admin fee / account holder | $809 | $5,885-86.3% | $7,906-89.8% | $6,925-88.3% |