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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 | $2,680 | $25,014-89.3% | $69,632-96.2% | $80,959-96.7% |
| Participation rate | 73.5% | 64.2%+9.3pp | 66.4%+7.1pp | 67.7%+5.8pp |
| Annual return | 19.50% | 19.08%+0.4pp | 101.32%-81.8pp | 35.67%-16.2pp |
| Employer contribution / active EE | $511 | $991-48.4% | $1,708-70.1% | $2,757-81.5% |
| Participant deferral / active EE | $1,393 | $1,840-24.3% | $2,889-51.8% | $4,300-67.6% |
| Admin fee / account holder | $988 | $2,491-60.3% | $4,695-79.0% | $6,925-85.7% |