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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 | $5,399 | $25,014-78.4% | $69,611-92.2% | $80,925-93.3% |
| Participation rate | 88.9% | 64.2%+24.7pp | 66.4%+22.5pp | 67.7%+21.2pp |
| Annual return | 12.71% | 19.08%-6.4pp | 101.14%-88.4pp | 35.65%-22.9pp |
| Employer contribution / active EE | $908 | $991-8.4% | $1,709-46.8% | $2,756-67.0% |
| Participant deferral / active EE | $1,647 | $1,840-10.5% | $2,891-43.0% | $4,299-61.7% |
| Admin fee / account holder | $714 | $2,491-71.4% | $4,696-84.8% | $6,940-89.7% |