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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% | $69,632-95.0% | $80,959-95.7% |
| Participation rate | 81.8% | 64.2%+17.6pp | 66.4%+15.4pp | 67.7%+14.2pp |
| Annual return | 15.38% | 19.08%-3.7pp | 101.32%-85.9pp | 35.67%-20.3pp |
| Employer contribution / active EE | $850 | $991-14.2% | $1,708-50.2% | $2,757-69.2% |
| Participant deferral / active EE | $2,400 | $1,840+30.5% | $2,889-16.9% | $4,300-44.2% |
| Admin fee / account holder | $361 | $2,491-85.5% | $4,695-92.3% | $6,925-94.8% |