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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 | $5,663 | $25,014-77.4% | $69,623-91.9% | $80,935-93.0% |
| Participation rate | 81.7% | 64.2%+17.5pp | 66.4%+15.3pp | 67.7%+14.0pp |
| Annual return | 13.52% | 19.08%-5.6pp | 101.23%-87.7pp | 35.66%-22.1pp |
| Employer contribution / active EE | $644 | $991-35.0% | $1,709-62.3% | $2,757-76.6% |
| Participant deferral / active EE | $1,758 | $1,840-4.4% | $2,890-39.2% | $4,299-59.1% |
| Admin fee / account holder | $924 | $2,491-62.9% | $4,696-80.3% | $6,924-86.7% |