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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 | $15,615 | $58,057-73.1% | $97,032-83.9% | $86,983-82.0% |
| Participation rate | 86.2% | 60.4%+25.8pp | 71.6%+14.6pp | 69.5%+16.7pp |
| Annual return | 18.21% | 22.26%-4.0pp | 35.38%-17.2pp | 25.83%-7.6pp |
| Employer contribution / active EE | $626 | $1,663-62.4% | $2,629-76.2% | $2,584-75.8% |
| Participant deferral / active EE | $6,025 | $3,244+85.7% | $4,672+28.9% | $4,194+43.7% |
| Admin fee / account holder | $2,009 | $4,839-58.5% | $9,418-78.7% | $7,856-74.4% |