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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 | $3,437 | $25,014-86.3% | $69,623-95.1% | $80,935-95.8% |
| Participation rate | 91.5% | 64.2%+27.3pp | 66.4%+25.1pp | 67.7%+23.8pp |
| Annual return | 12.59% | 19.08%-6.5pp | 101.23%-88.6pp | 35.66%-23.1pp |
| Employer contribution / active EE | $601 | $991-39.4% | $1,709-64.9% | $2,757-78.2% |
| Participant deferral / active EE | $1,803 | $1,840-2.0% | $2,890-37.6% | $4,299-58.1% |
| Admin fee / account holder | $858 | $2,491-65.5% | $4,696-81.7% | $6,924-87.6% |