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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 | $9,816 | $36,948-73.4% | $73,658-86.7% | $87,485-88.8% |
| Participation rate | 98.7% | 46.8%+51.9pp | 57.0%+41.6pp | 68.9%+29.8pp |
| Annual return | 14.20% | 28.64%-14.4pp | 29.72%-15.5pp | 26.06%-11.9pp |
| Employer contribution / active EE | $829 | $670+23.8% | $1,032-19.7% | $2,596-68.1% |
| Participant deferral / active EE | $1,523 | $1,379+10.4% | $2,062-26.1% | $4,274-64.4% |
| Admin fee / account holder | $1,787 | $2,531-29.4% | $3,357-46.8% | $7,775-77.0% |