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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 | $10,619 | $36,948-71.3% | $73,658-85.6% | $87,485-87.9% |
| Participation rate | 75.0% | 46.8%+28.2pp | 57.0%+18.0pp | 68.9%+6.1pp |
| Annual return | 23.12% | 28.64%-5.5pp | 29.72%-6.6pp | 26.06%-2.9pp |
| Employer contribution / active EE | $892 | $670+33.1% | $1,032-13.6% | $2,596-65.7% |
| Participant deferral / active EE | $2,618 | $1,379+89.9% | $2,062+27.0% | $4,274-38.7% |
| Admin fee / account holder | $787 | $2,531-68.9% | $3,357-76.6% | $7,775-89.9% |