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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 | $16,472 | $39,132-57.9% | $57,196-71.2% | $62,881-73.8% |
| Participation rate | 97.8% | 70.5%+27.3pp | 75.3%+22.4pp | 69.3%+28.5pp |
| Annual return | 1.45% | 9.24%-7.8pp | 14.59%-13.1pp | 20.14%-18.7pp |
| Employer contribution / active EE | $7,778 | $1,874+315.1% | $2,683+189.9% | $2,281+241.0% |
| Participant deferral / active EE | $0 | $2,374-100.0% | $3,096-100.0% | $3,203-100.0% |
| Admin fee / account holder | $337 | $2,594-87.0% | $3,141-89.3% | $4,296-92.2% |