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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 | $5,579 | $25,014-77.7% | $69,632-92.0% | $80,959-93.1% |
| Participation rate | 80.4% | 64.2%+16.2pp | 66.4%+14.0pp | 67.7%+12.7pp |
| Annual return | 19.42% | 19.08%+0.3pp | 101.32%-81.9pp | 35.67%-16.2pp |
| Employer contribution / active EE | $709 | $991-28.4% | $1,708-58.5% | $2,757-74.3% |
| Participant deferral / active EE | $2,192 | $1,840+19.2% | $2,889-24.1% | $4,300-49.0% |
| Admin fee / account holder | $742 | $2,491-70.2% | $4,695-84.2% | $6,925-89.3% |