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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 | $17,645 | $36,948-52.2% | $73,658-76.0% | $87,485-79.8% |
| Participation rate | 88.9% | 46.8%+42.1pp | 57.0%+31.8pp | 68.9%+20.0pp |
| Annual return | 19.26% | 28.64%-9.4pp | 29.72%-10.5pp | 26.06%-6.8pp |
| Employer contribution / active EE | $1,073 | $670+60.1% | $1,032+3.9% | $2,596-58.7% |
| Participant deferral / active EE | $2,722 | $1,379+97.4% | $2,062+32.0% | $4,274-36.3% |
| Admin fee / account holder | $717 | $2,531-71.7% | $3,357-78.6% | $7,775-90.8% |