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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 | $4,630 | $16,790-72.4% | $64,489-92.8% | $67,986-93.2% |
| Participation rate | 79.0% | 62.4%+16.6pp | 67.7%+11.3pp | 57.2%+21.8pp |
| Annual return | 24.64% | 30.55%-5.9pp | 55.03%-30.4pp | 31.67%-7.0pp |
| Employer contribution / active EE | $556 | $648-14.2% | $1,523-63.5% | $2,019-72.5% |
| Participant deferral / active EE | $1,895 | $1,510+25.4% | $2,778-31.8% | $3,358-43.6% |
| Admin fee / account holder | $1,053 | $1,690-37.7% | $4,260-75.3% | $3,203-67.1% |