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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 | $5,498 | $25,014-78.0% | $69,632-92.1% | $80,959-93.2% |
| Participation rate | 73.3% | 64.2%+9.0pp | 66.4%+6.8pp | 67.7%+5.6pp |
| Annual return | 14.33% | 19.08%-4.7pp | 101.32%-87.0pp | 35.67%-21.3pp |
| Employer contribution / active EE | $785 | $991-20.8% | $1,708-54.0% | $2,757-71.5% |
| Participant deferral / active EE | $1,411 | $1,840-23.3% | $2,889-51.1% | $4,300-67.2% |
| Admin fee / account holder | $1,018 | $2,491-59.1% | $4,695-78.3% | $6,925-85.3% |