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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 | $11,236 | $81,262-86.2% | $155,602-92.8% | $80,911-86.1% |
| Participation rate | 96.3% | 66.2%+30.1pp | 78.2%+18.1pp | 67.6%+28.6pp |
| Annual return | 12.52% | 33.34%-20.8pp | 64.81%-52.3pp | 35.63%-23.1pp |
| Employer contribution / active EE | $909 | $3,102-70.7% | $4,675-80.6% | $2,756-67.0% |
| Participant deferral / active EE | $2,406 | $3,451-30.3% | $5,629-57.2% | $4,297-44.0% |
| Admin fee / account holder | $614 | $7,992-92.3% | $15,923-96.1% | $6,935-91.1% |