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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 | $5,460 | $25,014-78.2% | $69,623-92.2% | $80,935-93.3% |
| Participation rate | 70.9% | 64.2%+6.7pp | 66.4%+4.5pp | 67.7%+3.2pp |
| Annual return | 14.81% | 19.08%-4.3pp | 101.23%-86.4pp | 35.66%-20.8pp |
| Employer contribution / active EE | $653 | $991-34.2% | $1,709-61.8% | $2,757-76.3% |
| Participant deferral / active EE | $1,471 | $1,840-20.0% | $2,890-49.1% | $4,299-65.8% |
| Admin fee / account holder | $1,308 | $2,491-47.5% | $4,696-72.2% | $6,924-81.1% |