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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 | $6,555 | $25,014-73.8% | $69,632-90.6% | $80,959-91.9% |
| Participation rate | 78.3% | 64.2%+14.1pp | 66.4%+11.9pp | 67.7%+10.7pp |
| Annual return | 13.57% | 19.08%-5.5pp | 101.32%-87.8pp | 35.67%-22.1pp |
| Employer contribution / active EE | $709 | $991-28.4% | $1,708-58.5% | $2,757-74.3% |
| Participant deferral / active EE | $1,740 | $1,840-5.4% | $2,889-39.8% | $4,300-59.5% |
| Admin fee / account holder | $953 | $2,491-61.8% | $4,695-79.7% | $6,925-86.2% |