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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 | $6,920 | $16,790-58.8% | $64,489-89.3% | $67,986-89.8% |
| Participation rate | 85.0% | 62.4%+22.6pp | 67.7%+17.3pp | 57.2%+27.8pp |
| Annual return | 22.10% | 30.55%-8.4pp | 55.03%-32.9pp | 31.67%-9.6pp |
| Employer contribution / active EE | $941 | $648+45.3% | $1,523-38.2% | $2,019-53.4% |
| Participant deferral / active EE | $2,442 | $1,510+61.7% | $2,778-12.1% | $3,358-27.3% |
| Admin fee / account holder | $1,240 | $1,690-26.6% | $4,260-70.9% | $3,203-61.3% |