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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 | $7,536 | $76,407-90.1% | $150,298-95.0% | $82,448-90.9% |
| Participation rate | 85.0% | 66.4%+18.6pp | 77.8%+7.2pp | 68.1%+16.9pp |
| Annual return | 19.18% | 39.99%-20.8pp | 62.79%-43.6pp | 41.64%-22.5pp |
| Employer contribution / active EE | $1,029 | $2,614-60.7% | $4,154-75.2% | $2,551-59.7% |
| Participant deferral / active EE | $1,525 | $3,214-52.5% | $5,453-72.0% | $4,139-63.2% |
| Admin fee / account holder | $317 | $6,352-95.0% | $14,116-97.8% | $7,234-95.6% |