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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 | $5,177 | $25,014-79.3% | $69,623-92.6% | $80,935-93.6% |
| Participation rate | 73.1% | 64.2%+8.9pp | 66.4%+6.6pp | 67.7%+5.4pp |
| Annual return | 16.13% | 19.08%-2.9pp | 101.23%-85.1pp | 35.66%-19.5pp |
| Employer contribution / active EE | $641 | $991-35.3% | $1,709-62.5% | $2,757-76.7% |
| Participant deferral / active EE | $2,120 | $1,840+15.2% | $2,890-26.6% | $4,299-50.7% |
| Admin fee / account holder | $1,466 | $2,491-41.2% | $4,696-68.8% | $6,924-78.8% |