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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 | $9,681 | $25,014-61.3% | $69,623-86.1% | $80,935-88.0% |
| Participation rate | 85.2% | 64.2%+21.0pp | 66.4%+18.7pp | 67.7%+17.5pp |
| Annual return | 15.72% | 19.08%-3.4pp | 101.23%-85.5pp | 35.66%-19.9pp |
| Employer contribution / active EE | $1,161 | $991+17.1% | $1,709-32.1% | $2,757-57.9% |
| Participant deferral / active EE | $3,203 | $1,840+74.1% | $2,890+10.8% | $4,299-25.5% |
| Admin fee / account holder | $1,313 | $2,491-47.3% | $4,696-72.0% | $6,924-81.0% |