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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 | $7,080 | $25,014-71.7% | $69,632-89.8% | $80,959-91.3% |
| Participation rate | 78.8% | 64.2%+14.6pp | 66.4%+12.4pp | 67.7%+11.1pp |
| Annual return | 14.96% | 19.08%-4.1pp | 101.32%-86.4pp | 35.67%-20.7pp |
| Employer contribution / active EE | $828 | $991-16.5% | $1,708-51.5% | $2,757-70.0% |
| Participant deferral / active EE | $2,391 | $1,840+30.0% | $2,889-17.2% | $4,300-44.4% |
| Admin fee / account holder | $1,396 | $2,491-44.0% | $4,695-70.3% | $6,925-79.8% |