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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 | $14,586 | $77,638-81.2% | $156,551-90.7% | $62,881-76.8% |
| Participation rate | 79.5% | 71.2%+8.3pp | 84.0%-4.5pp | 69.3%+10.2pp |
| Annual return | 11.00% | 50.33%-39.3pp | 32.23%-21.2pp | 20.14%-9.1pp |
| Employer contribution / active EE | $708 | $3,444-79.5% | $5,501-87.1% | $2,281-69.0% |
| Participant deferral / active EE | $1,975 | $3,046-35.1% | $4,871-59.4% | $3,203-38.3% |
| Admin fee / account holder | $311 | $5,561-94.4% | $13,028-97.6% | $4,296-92.8% |