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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 | $15,010 | $76,407-80.4% | $150,298-90.0% | $82,448-81.8% |
| Participation rate | 92.9% | 66.4%+26.5pp | 77.8%+15.1pp | 68.1%+24.8pp |
| Annual return | 13.58% | 39.99%-26.4pp | 62.79%-49.2pp | 41.64%-28.1pp |
| Employer contribution / active EE | $930 | $2,614-64.4% | $4,154-77.6% | $2,551-63.5% |
| Participant deferral / active EE | $1,592 | $3,214-50.5% | $5,453-70.8% | $4,139-61.5% |
| Admin fee / account holder | $358 | $6,352-94.4% | $14,116-97.5% | $7,234-95.0% |