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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 | $9,885 | $94,439-89.5% | $73,658-86.6% | $154,746-93.6% |
| Participation rate | 75.0% | 64.7%+10.3pp | 57.0%+18.0pp | 80.7%-5.7pp |
| Annual return | 20.77% | 28.25%-7.5pp | 29.72%-9.0pp | 172.34%-151.6pp |
| Employer contribution / active EE | $1,300 | $1,257+3.4% | $1,032+25.9% | $4,379-70.3% |
| Participant deferral / active EE | $4,298 | $2,527+70.1% | $2,062+108.4% | $6,730-36.1% |
| Admin fee / account holder | $1,664 | $3,843-56.7% | $3,357-50.4% | $14,365-88.4% |