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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 | $8,085 | $25,014-67.7% | $69,623-88.4% | $80,935-90.0% |
| Participation rate | 76.1% | 64.2%+11.9pp | 66.4%+9.7pp | 67.7%+8.5pp |
| Annual return | 13.82% | 19.08%-5.3pp | 101.23%-87.4pp | 35.66%-21.8pp |
| Employer contribution / active EE | $1,026 | $991+3.5% | $1,709-40.0% | $2,757-62.8% |
| Participant deferral / active EE | $2,632 | $1,840+43.1% | $2,890-8.9% | $4,299-38.8% |
| Admin fee / account holder | $1,198 | $2,491-51.9% | $4,696-74.5% | $6,924-82.7% |