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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 | $2,303 | $25,014-90.8% | $69,632-96.7% | $80,959-97.2% |
| Participation rate | 90.0% | 64.2%+25.8pp | 66.4%+23.6pp | 67.7%+22.3pp |
| Annual return | 29.64% | 19.08%+10.6pp | 101.32%-71.7pp | 35.67%-6.0pp |
| Employer contribution / active EE | $854 | $991-13.8% | $1,708-50.0% | $2,757-69.0% |
| Participant deferral / active EE | $1,848 | $1,840+0.4% | $2,889-36.0% | $4,300-57.0% |
| Admin fee / account holder | $615 | $2,491-75.3% | $4,695-86.9% | $6,925-91.1% |