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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 | $37,156-73.6% | $83,854-88.3% | $86,983-88.7% |
| Participation rate | 98.7% | 49.1%+49.6pp | 59.1%+39.6pp | 69.5%+29.1pp |
| Annual return | 14.20% | 29.88%-15.7pp | 31.39%-17.2pp | 25.83%-11.6pp |
| Employer contribution / active EE | $829 | $661+25.5% | $1,017-18.5% | $2,584-67.9% |
| Participant deferral / active EE | $1,523 | $1,418+7.4% | $2,035-25.2% | $4,194-63.7% |
| Admin fee / account holder | $1,787 | $2,510-28.8% | $3,197-44.1% | $7,856-77.3% |