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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 | $7,620 | $25,014-69.5% | $69,623-89.1% | $80,935-90.6% |
| Participation rate | 76.5% | 64.2%+12.3pp | 66.4%+10.0pp | 67.7%+8.8pp |
| Annual return | 16.74% | 19.08%-2.3pp | 101.23%-84.5pp | 35.66%-18.9pp |
| Employer contribution / active EE | $679 | $991-31.5% | $1,709-60.3% | $2,757-75.4% |
| Participant deferral / active EE | $3,170 | $1,840+72.3% | $2,890+9.7% | $4,299-26.3% |
| Admin fee / account holder | $1,994 | $2,491-20.0% | $4,696-57.5% | $6,924-71.2% |