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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 | $3,516 | $25,014-85.9% | $69,701-95.0% | $80,874-95.7% |
| Participation rate | 81.8% | 64.2%+17.6pp | 66.4%+15.4pp | 67.6%+14.2pp |
| Annual return | 15.38% | 19.07%-3.7pp | 100.32%-84.9pp | 35.62%-20.2pp |
| Employer contribution / active EE | $850 | $993-14.4% | $1,713-50.4% | $2,756-69.1% |
| Participant deferral / active EE | $2,400 | $1,839+30.5% | $2,887-16.9% | $4,297-44.1% |
| Admin fee / account holder | $361 | $2,488-85.5% | $4,717-92.4% | $6,935-94.8% |