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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 | $4,024 | $25,014-83.9% | $69,623-94.2% | $80,935-95.0% |
| Participation rate | 70.0% | 64.2%+5.8pp | 66.4%+3.6pp | 67.7%+2.3pp |
| Annual return | 19.86% | 19.08%+0.8pp | 101.23%-81.4pp | 35.66%-15.8pp |
| Employer contribution / active EE | $436 | $991-56.0% | $1,709-74.5% | $2,757-84.2% |
| Participant deferral / active EE | $1,525 | $1,840-17.1% | $2,890-47.2% | $4,299-64.5% |
| Admin fee / account holder | $865 | $2,491-65.3% | $4,696-81.6% | $6,924-87.5% |