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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 | $8,816 | $51,222-82.8% | $70,544-87.5% | $75,173-88.3% |
| Participation rate | 96.9% | 61.0%+35.9pp | 68.4%+28.5pp | 67.2%+29.7pp |
| Annual return | 19.76% | 30.06%-10.3pp | 32.79%-13.0pp | 160.72%-141.0pp |
| Employer contribution / active EE | $2,332 | $1,827+27.6% | $2,976-21.6% | $2,671-12.7% |
| Participant deferral / active EE | $3,178 | $2,850+11.5% | $4,568-30.4% | $4,126-23.0% |
| Admin fee / account holder | $1,243 | $4,096-69.6% | $6,427-80.7% | $5,651-78.0% |