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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 | $3,198 | $25,014-87.2% | $69,632-95.4% | $80,959-96.0% |
| Participation rate | 79.5% | 64.2%+15.3pp | 66.4%+13.1pp | 67.7%+11.8pp |
| Annual return | 17.03% | 19.08%-2.0pp | 101.32%-84.3pp | 35.67%-18.6pp |
| Employer contribution / active EE | $781 | $991-21.2% | $1,708-54.3% | $2,757-71.7% |
| Participant deferral / active EE | $1,565 | $1,840-14.9% | $2,889-45.8% | $4,300-63.6% |
| Admin fee / account holder | $444 | $2,491-82.2% | $4,695-90.5% | $6,925-93.6% |