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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 | $2,355 | $25,014-90.6% | $69,611-96.6% | $80,925-97.1% |
| Participation rate | 78.7% | 64.2%+14.5pp | 66.4%+12.2pp | 67.7%+11.0pp |
| Annual return | 15.76% | 19.08%-3.3pp | 101.14%-85.4pp | 35.65%-19.9pp |
| Employer contribution / active EE | $730 | $991-26.3% | $1,709-57.3% | $2,756-73.5% |
| Participant deferral / active EE | $1,371 | $1,840-25.5% | $2,891-52.6% | $4,299-68.1% |
| Admin fee / account holder | $960 | $2,491-61.5% | $4,696-79.6% | $6,940-86.2% |