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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 | $59,440-84.3% | $78,004-88.1% | $82,637-88.7% |
| Participation rate | 85.0% | 62.8%+22.2pp | 69.4%+15.6pp | 68.1%+16.9pp |
| Annual return | 21.28% | 40.24%-19.0pp | 31.07%-9.8pp | 53.51%-32.2pp |
| Employer contribution / active EE | $961 | $1,750-45.1% | $2,469-61.1% | $2,552-62.3% |
| Participant deferral / active EE | $1,772 | $3,138-43.5% | $4,092-56.7% | $4,126-57.1% |
| Admin fee / account holder | $842 | $5,504-84.7% | $7,578-88.9% | $7,339-88.5% |