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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 | $5,707 | $25,014-77.2% | $69,623-91.8% | $80,935-92.9% |
| Participation rate | 83.0% | 64.2%+18.8pp | 66.4%+16.5pp | 67.7%+15.3pp |
| Annual return | 21.46% | 19.08%+2.4pp | 101.23%-79.8pp | 35.66%-14.2pp |
| Employer contribution / active EE | $822 | $991-17.1% | $1,709-51.9% | $2,757-70.2% |
| Participant deferral / active EE | $2,585 | $1,840+40.5% | $2,890-10.6% | $4,299-39.9% |
| Admin fee / account holder | $1,252 | $2,491-49.8% | $4,696-73.3% | $6,924-81.9% |