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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 | $4,173 | $36,948-88.7% | $73,658-94.3% | $87,485-95.2% |
| Participation rate | 88.6% | 46.8%+41.8pp | 57.0%+31.5pp | 68.9%+19.6pp |
| Annual return | 20.34% | 28.64%-8.3pp | 29.72%-9.4pp | 26.06%-5.7pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,491 | $1,379+8.1% | $2,062-27.7% | $4,274-65.1% |
| Admin fee / account holder | $952 | $2,531-62.4% | $3,357-71.6% | $7,775-87.8% |