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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 | $4,658 | $25,014-81.4% | $69,623-93.3% | $80,935-94.2% |
| Participation rate | 74.0% | 64.2%+9.7pp | 66.4%+7.5pp | 67.7%+6.3pp |
| Annual return | 17.04% | 19.08%-2.0pp | 101.23%-84.2pp | 35.66%-18.6pp |
| Employer contribution / active EE | $597 | $991-39.8% | $1,709-65.1% | $2,757-78.3% |
| Participant deferral / active EE | $1,351 | $1,840-26.6% | $2,890-53.3% | $4,299-68.6% |
| Admin fee / account holder | $943 | $2,491-62.2% | $4,696-79.9% | $6,924-86.4% |