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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 | $4,497 | $25,014-82.0% | $69,623-93.5% | $80,935-94.4% |
| Participation rate | 77.0% | 64.2%+12.8pp | 66.4%+10.6pp | 67.7%+9.4pp |
| Annual return | 14.82% | 19.08%-4.3pp | 101.23%-86.4pp | 35.66%-20.8pp |
| Employer contribution / active EE | $818 | $991-17.5% | $1,709-52.1% | $2,757-70.3% |
| Participant deferral / active EE | $1,399 | $1,840-23.9% | $2,890-51.6% | $4,299-67.5% |
| Admin fee / account holder | $587 | $2,491-76.4% | $4,696-87.5% | $6,924-91.5% |