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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 | $3,357 | $25,014-86.6% | $69,623-95.2% | $80,935-95.9% |
| Participation rate | 77.4% | 64.2%+13.2pp | 66.4%+11.0pp | 67.7%+9.8pp |
| Annual return | 20.03% | 19.08%+0.9pp | 101.23%-81.2pp | 35.66%-15.6pp |
| Employer contribution / active EE | $960 | $991-3.1% | $1,709-43.8% | $2,757-65.2% |
| Participant deferral / active EE | $1,685 | $1,840-8.4% | $2,890-41.7% | $4,299-60.8% |
| Admin fee / account holder | $1,184 | $2,491-52.5% | $4,696-74.8% | $6,924-82.9% |