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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 | $10,513 | $25,014-58.0% | $69,623-84.9% | $80,935-87.0% |
| Participation rate | 73.3% | 64.2%+9.1pp | 66.4%+6.9pp | 67.7%+5.7pp |
| Annual return | 15.44% | 19.08%-3.6pp | 101.23%-85.8pp | 35.66%-20.2pp |
| Employer contribution / active EE | $821 | $991-17.2% | $1,709-52.0% | $2,757-70.2% |
| Participant deferral / active EE | $2,097 | $1,840+14.0% | $2,890-27.4% | $4,299-51.2% |
| Admin fee / account holder | $862 | $2,491-65.4% | $4,696-81.6% | $6,924-87.5% |