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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 | $26,201 | $48,078-45.5% | $78,676-66.7% | $62,881-58.3% |
| Participation rate | 79.6% | 65.2%+14.4pp | 73.6%+6.0pp | 69.3%+10.3pp |
| Annual return | 11.96% | 31.36%-19.4pp | 62.19%-50.2pp | 20.14%-8.2pp |
| Employer contribution / active EE | $625 | $2,015-69.0% | $2,850-78.1% | $2,281-72.6% |
| Participant deferral / active EE | $1,389 | $2,587-46.3% | $3,517-60.5% | $3,203-56.6% |
| Admin fee / account holder | $373 | $3,206-88.4% | $4,510-91.7% | $4,296-91.3% |