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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 | $5,142 | $25,014-79.4% | $69,623-92.6% | $80,935-93.6% |
| Participation rate | 80.5% | 64.2%+16.3pp | 66.4%+14.1pp | 67.7%+12.9pp |
| Annual return | 16.59% | 19.08%-2.5pp | 101.23%-84.6pp | 35.66%-19.1pp |
| Employer contribution / active EE | $1,115 | $991+12.4% | $1,709-34.8% | $2,757-59.6% |
| Participant deferral / active EE | $1,818 | $1,840-1.2% | $2,890-37.1% | $4,299-57.7% |
| Admin fee / account holder | $799 | $2,491-67.9% | $4,696-83.0% | $6,924-88.5% |