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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 | $12,222 | $54,757-77.7% | $90,304-86.5% | $72,975-83.3% |
| Participation rate | 89.7% | 65.2%+24.5pp | 73.3%+16.4pp | 69.5%+20.2pp |
| Annual return | 30.43% | 30.63%-0.2pp | 78.13%-47.7pp | 81.01%-50.6pp |
| Employer contribution / active EE | $1,211 | $2,093-42.2% | $2,855-57.6% | $2,440-50.4% |
| Participant deferral / active EE | $3,567 | $2,887+23.6% | $3,885-8.2% | $3,608-1.1% |
| Admin fee / account holder | $639 | $3,973-83.9% | $5,354-88.1% | $5,124-87.5% |