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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 | $5,059 | $25,014-79.8% | $69,632-92.7% | $80,959-93.8% |
| Participation rate | 75.8% | 64.2%+11.5pp | 66.4%+9.3pp | 67.7%+8.1pp |
| Annual return | 14.63% | 19.08%-4.4pp | 101.32%-86.7pp | 35.67%-21.0pp |
| Employer contribution / active EE | $886 | $991-10.6% | $1,708-48.1% | $2,757-67.9% |
| Participant deferral / active EE | $1,586 | $1,840-13.8% | $2,889-45.1% | $4,300-63.1% |
| Admin fee / account holder | $1,274 | $2,491-48.9% | $4,695-72.9% | $6,925-81.6% |