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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 | $4,610 | $19,646-76.5% | $71,585-93.6% | $64,097-92.8% |
| Participation rate | 79.2% | 64.7%+14.5pp | 68.2%+11.0pp | 55.2%+24.0pp |
| Annual return | 21.17% | 36.81%-15.6pp | 59.26%-38.1pp | 34.64%-13.5pp |
| Employer contribution / active EE | $575 | $713-19.4% | $1,669-65.5% | $1,891-69.6% |
| Participant deferral / active EE | $1,298 | $1,665-22.0% | $2,923-55.6% | $3,080-57.8% |
| Admin fee / account holder | $652 | $1,850-64.8% | $4,712-86.2% | $3,454-81.1% |