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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 | $2,752 | $25,014-89.0% | $69,632-96.0% | $80,959-96.6% |
| Participation rate | 75.5% | 64.2%+11.3pp | 66.4%+9.1pp | 67.7%+7.8pp |
| Annual return | 18.43% | 19.08%-0.7pp | 101.32%-82.9pp | 35.67%-17.2pp |
| Employer contribution / active EE | $437 | $991-55.9% | $1,708-74.4% | $2,757-84.1% |
| Participant deferral / active EE | $1,107 | $1,840-39.8% | $2,889-61.7% | $4,300-74.3% |
| Admin fee / account holder | $650 | $2,491-73.9% | $4,695-86.2% | $6,925-90.6% |