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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 | $7,200 | $25,014-71.2% | $69,623-89.7% | $80,935-91.1% |
| Participation rate | 90.7% | 64.2%+26.5pp | 66.4%+24.2pp | 67.7%+23.0pp |
| Annual return | 16.64% | 19.08%-2.4pp | 101.23%-84.6pp | 35.66%-19.0pp |
| Employer contribution / active EE | $1,142 | $991+15.2% | $1,709-33.2% | $2,757-58.6% |
| Participant deferral / active EE | $2,848 | $1,840+54.8% | $2,890-1.4% | $4,299-33.8% |
| Admin fee / account holder | $923 | $2,491-62.9% | $4,696-80.3% | $6,924-86.7% |