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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 | $3,666 | $25,014-85.3% | $69,623-94.7% | $80,935-95.5% |
| Participation rate | 83.6% | 64.2%+19.3pp | 66.4%+17.1pp | 67.7%+15.9pp |
| Annual return | 15.18% | 19.08%-3.9pp | 101.23%-86.0pp | 35.66%-20.5pp |
| Employer contribution / active EE | $379 | $991-61.7% | $1,709-77.8% | $2,757-86.2% |
| Participant deferral / active EE | $1,132 | $1,840-38.4% | $2,890-60.8% | $4,299-73.7% |
| Admin fee / account holder | $500 | $2,491-79.9% | $4,696-89.4% | $6,924-92.8% |