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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 | $13,348 | $81,331-83.6% | $155,534-91.4% | $80,935-83.5% |
| Participation rate | 89.2% | 66.3%+22.9pp | 78.2%+11.0pp | 67.7%+21.5pp |
| Annual return | 11.88% | 33.37%-21.5pp | 64.92%-53.0pp | 35.66%-23.8pp |
| Employer contribution / active EE | $590 | $3,105-81.0% | $4,675-87.4% | $2,757-78.6% |
| Participant deferral / active EE | $3,675 | $3,454+6.4% | $5,630-34.7% | $4,299-14.5% |
| Admin fee / account holder | $713 | $7,999-91.1% | $15,900-95.5% | $6,924-89.7% |