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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 | $2,398 | $16,790-85.7% | $64,489-96.3% | $67,986-96.5% |
| Participation rate | 78.1% | 62.4%+15.7pp | 67.7%+10.4pp | 57.2%+20.9pp |
| Annual return | 25.56% | 30.55%-5.0pp | 55.03%-29.5pp | 31.67%-6.1pp |
| Employer contribution / active EE | $247 | $648-61.9% | $1,523-83.8% | $2,019-87.8% |
| Participant deferral / active EE | $907 | $1,510-40.0% | $2,778-67.4% | $3,358-73.0% |
| Admin fee / account holder | $388 | $1,690-77.1% | $4,260-90.9% | $3,203-87.9% |