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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 | $7,989 | $25,014-68.1% | $69,623-88.5% | $80,935-90.1% |
| Participation rate | 74.0% | 64.2%+9.8pp | 66.4%+7.6pp | 67.7%+6.3pp |
| Annual return | 22.86% | 19.08%+3.8pp | 101.23%-78.4pp | 35.66%-12.8pp |
| Employer contribution / active EE | $545 | $991-45.0% | $1,709-68.1% | $2,757-80.2% |
| Participant deferral / active EE | $2,501 | $1,840+36.0% | $2,890-13.4% | $4,299-41.8% |
| Admin fee / account holder | $1,228 | $2,491-50.7% | $4,696-73.9% | $6,924-82.3% |