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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 | $5,932 | $25,014-76.3% | $69,623-91.5% | $80,935-92.7% |
| Participation rate | 98.3% | 64.2%+34.1pp | 66.4%+31.9pp | 67.7%+30.6pp |
| Annual return | 19.28% | 19.08%+0.2pp | 101.23%-82.0pp | 35.66%-16.4pp |
| Employer contribution / active EE | $728 | $991-26.6% | $1,709-57.4% | $2,757-73.6% |
| Participant deferral / active EE | $1,366 | $1,840-25.8% | $2,890-52.7% | $4,299-68.2% |
| Admin fee / account holder | $1,515 | $2,491-39.2% | $4,696-67.7% | $6,924-78.1% |