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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 | $6,175 | $25,014-75.3% | $69,623-91.1% | $80,935-92.4% |
| Participation rate | 88.7% | 64.2%+24.5pp | 66.4%+22.3pp | 67.7%+21.0pp |
| Annual return | 16.40% | 19.08%-2.7pp | 101.23%-84.8pp | 35.66%-19.3pp |
| Employer contribution / active EE | $922 | $991-7.0% | $1,709-46.0% | $2,757-66.5% |
| Participant deferral / active EE | $2,047 | $1,840+11.3% | $2,890-29.1% | $4,299-52.4% |
| Admin fee / account holder | $1,264 | $2,491-49.3% | $4,696-73.1% | $6,924-81.7% |