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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 | $5,868 | $25,014-76.5% | $69,623-91.6% | $80,935-92.7% |
| Participation rate | 85.0% | 64.2%+20.8pp | 66.4%+18.6pp | 67.7%+17.3pp |
| Annual return | 13.88% | 19.08%-5.2pp | 101.23%-87.4pp | 35.66%-21.8pp |
| Employer contribution / active EE | $868 | $991-12.5% | $1,709-49.2% | $2,757-68.5% |
| Participant deferral / active EE | $2,171 | $1,840+18.0% | $2,890-24.9% | $4,299-49.5% |
| Admin fee / account holder | $307 | $2,491-87.7% | $4,696-93.5% | $6,924-95.6% |