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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 | $9,742 | $58,627-83.4% | $76,735-87.3% | $82,448-88.2% |
| Participation rate | 84.9% | 63.2%+21.7pp | 69.5%+15.4pp | 68.1%+16.9pp |
| Annual return | 24.62% | 39.10%-14.5pp | 29.77%-5.1pp | 41.64%-17.0pp |
| Employer contribution / active EE | $1,074 | $1,729-37.9% | $2,454-56.2% | $2,551-57.9% |
| Participant deferral / active EE | $3,703 | $3,134+18.2% | $4,088-9.4% | $4,139-10.5% |
| Admin fee / account holder | $1,602 | $5,323-69.9% | $7,189-77.7% | $7,234-77.9% |