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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 | $4,025 | $25,014-83.9% | $69,632-94.2% | $80,959-95.0% |
| Participation rate | 85.0% | 64.2%+20.8pp | 66.4%+18.6pp | 67.7%+17.3pp |
| Annual return | 17.14% | 19.08%-1.9pp | 101.32%-84.2pp | 35.67%-18.5pp |
| Employer contribution / active EE | $819 | $991-17.4% | $1,708-52.1% | $2,757-70.3% |
| Participant deferral / active EE | $996 | $1,840-45.9% | $2,889-65.5% | $4,300-76.8% |
| Admin fee / account holder | $1,537 | $2,491-38.3% | $4,695-67.3% | $6,925-77.8% |