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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 | $9,313 | $58,627-84.1% | $76,735-87.9% | $82,448-88.7% |
| Participation rate | 85.0% | 63.2%+21.8pp | 69.5%+15.5pp | 68.1%+16.9pp |
| Annual return | 21.28% | 39.10%-17.8pp | 29.77%-8.5pp | 41.64%-20.4pp |
| Employer contribution / active EE | $961 | $1,729-44.4% | $2,454-60.8% | $2,551-62.3% |
| Participant deferral / active EE | $1,772 | $3,134-43.5% | $4,088-56.7% | $4,139-57.2% |
| Admin fee / account holder | $842 | $5,323-84.2% | $7,189-88.3% | $7,234-88.4% |