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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 | $4,176 | $25,014-83.3% | $69,623-94.0% | $80,935-94.8% |
| Participation rate | 79.7% | 64.2%+15.5pp | 66.4%+13.3pp | 67.7%+12.0pp |
| Annual return | 15.90% | 19.08%-3.2pp | 101.23%-85.3pp | 35.66%-19.8pp |
| Employer contribution / active EE | $495 | $991-50.1% | $1,709-71.0% | $2,757-82.0% |
| Participant deferral / active EE | $1,161 | $1,840-36.9% | $2,890-59.8% | $4,299-73.0% |
| Admin fee / account holder | $1,328 | $2,491-46.7% | $4,696-71.7% | $6,924-80.8% |