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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 | $6,958 | $58,627-88.1% | $76,735-90.9% | $82,448-91.6% |
| Participation rate | 88.5% | 63.2%+25.2pp | 69.5%+19.0pp | 68.1%+20.4pp |
| Annual return | 22.23% | 39.10%-16.9pp | 29.77%-7.5pp | 41.64%-19.4pp |
| Employer contribution / active EE | $894 | $1,729-48.3% | $2,454-63.6% | $2,551-65.0% |
| Participant deferral / active EE | $1,861 | $3,134-40.6% | $4,088-54.5% | $4,139-55.0% |
| Admin fee / account holder | $2,412 | $5,323-54.7% | $7,189-66.5% | $7,234-66.7% |