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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 | $6,838 | $25,014-72.7% | $69,611-90.2% | $80,925-91.6% |
| Participation rate | 73.3% | 64.2%+9.0pp | 66.4%+6.8pp | 67.7%+5.6pp |
| Annual return | 14.03% | 19.08%-5.0pp | 101.14%-87.1pp | 35.65%-21.6pp |
| Employer contribution / active EE | $529 | $991-46.6% | $1,709-69.0% | $2,756-80.8% |
| Participant deferral / active EE | $1,136 | $1,840-38.2% | $2,891-60.7% | $4,299-73.6% |
| Admin fee / account holder | $1,009 | $2,491-59.5% | $4,696-78.5% | $6,940-85.5% |