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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 | $3,832 | $25,014-84.7% | $69,623-94.5% | $80,935-95.3% |
| Participation rate | 87.5% | 64.2%+23.3pp | 66.4%+21.1pp | 67.7%+19.8pp |
| Annual return | 14.31% | 19.08%-4.8pp | 101.23%-86.9pp | 35.66%-21.3pp |
| Employer contribution / active EE | $899 | $991-9.3% | $1,709-47.4% | $2,757-67.4% |
| Participant deferral / active EE | $1,176 | $1,840-36.1% | $2,890-59.3% | $4,299-72.6% |
| Admin fee / account holder | $475 | $2,491-80.9% | $4,696-89.9% | $6,924-93.1% |