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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 | $26,265 | $37,156-29.3% | $83,854-68.7% | $86,983-69.8% |
| Participation rate | 90.6% | 49.1%+41.5pp | 59.1%+31.5pp | 69.5%+21.0pp |
| Annual return | 18.83% | 29.88%-11.0pp | 31.39%-12.6pp | 25.83%-7.0pp |
| Employer contribution / active EE | $839 | $661+27.0% | $1,017-17.5% | $2,584-67.5% |
| Participant deferral / active EE | $1,833 | $1,418+29.3% | $2,035-9.9% | $4,194-56.3% |
| Admin fee / account holder | $732 | $2,510-70.8% | $3,197-77.1% | $7,856-90.7% |