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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 | $12,063 | $81,358-85.2% | $155,556-92.2% | $80,959-85.1% |
| Participation rate | 82.1% | 66.3%+15.8pp | 78.2%+3.8pp | 67.7%+14.4pp |
| Annual return | 12.64% | 33.39%-20.7pp | 64.84%-52.2pp | 35.67%-23.0pp |
| Employer contribution / active EE | $1,275 | $3,106-58.9% | $4,675-72.7% | $2,757-53.7% |
| Participant deferral / active EE | $1,918 | $3,455-44.5% | $5,631-65.9% | $4,300-55.4% |
| Admin fee / account holder | $1,462 | $7,994-81.7% | $15,885-90.8% | $6,925-78.9% |