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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 | $12,668 | $81,358-84.4% | $155,556-91.9% | $80,959-84.4% |
| Participation rate | 77.4% | 66.3%+11.2pp | 78.2%-0.8pp | 67.7%+9.8pp |
| Annual return | 16.60% | 33.39%-16.8pp | 64.84%-48.2pp | 35.67%-19.1pp |
| Employer contribution / active EE | $790 | $3,106-74.6% | $4,675-83.1% | $2,757-71.3% |
| Participant deferral / active EE | $2,817 | $3,455-18.5% | $5,631-50.0% | $4,300-34.5% |
| Admin fee / account holder | $461 | $7,994-94.2% | $15,885-97.1% | $6,925-93.3% |