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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 | $4,598 | $25,014-81.6% | $69,623-93.4% | $80,935-94.3% |
| Participation rate | 79.5% | 64.2%+15.2pp | 66.4%+13.0pp | 67.7%+11.8pp |
| Annual return | 17.37% | 19.08%-1.7pp | 101.23%-83.9pp | 35.66%-18.3pp |
| Employer contribution / active EE | $806 | $991-18.7% | $1,709-52.8% | $2,757-70.8% |
| Participant deferral / active EE | $2,047 | $1,840+11.2% | $2,890-29.2% | $4,299-52.4% |
| Admin fee / account holder | $1,079 | $2,491-56.7% | $4,696-77.0% | $6,924-84.4% |