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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 | $5,232 | $25,014-79.1% | $69,632-92.5% | $80,959-93.5% |
| Participation rate | 90.0% | 64.2%+25.8pp | 66.4%+23.6pp | 67.7%+22.3pp |
| Annual return | 21.02% | 19.08%+1.9pp | 101.32%-80.3pp | 35.67%-14.6pp |
| Employer contribution / active EE | $738 | $991-25.5% | $1,708-56.8% | $2,757-73.2% |
| Participant deferral / active EE | $1,904 | $1,840+3.5% | $2,889-34.1% | $4,300-55.7% |
| Admin fee / account holder | $1,019 | $2,491-59.1% | $4,695-78.3% | $6,925-85.3% |