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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 | $4,501 | $23,330-80.7% | $64,489-93.0% | $82,448-94.5% |
| Participation rate | 86.8% | 68.3%+18.5pp | 67.7%+19.1pp | 68.1%+18.7pp |
| Annual return | 26.87% | 83.66%-56.8pp | 55.03%-28.2pp | 41.64%-14.8pp |
| Employer contribution / active EE | $547 | $824-33.6% | $1,523-64.1% | $2,551-78.6% |
| Participant deferral / active EE | $1,740 | $1,707+1.9% | $2,778-37.4% | $4,139-58.0% |
| Admin fee / account holder | $344 | $2,946-88.3% | $4,260-91.9% | $7,234-95.3% |