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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 | $5,337 | $25,014-78.7% | $69,632-92.3% | $80,959-93.4% |
| Participation rate | 86.3% | 64.2%+22.0pp | 66.4%+19.8pp | 67.7%+18.6pp |
| Annual return | 16.87% | 19.08%-2.2pp | 101.32%-84.5pp | 35.67%-18.8pp |
| Employer contribution / active EE | $760 | $991-23.4% | $1,708-55.5% | $2,757-72.4% |
| Participant deferral / active EE | $1,689 | $1,840-8.2% | $2,889-41.5% | $4,300-60.7% |
| Admin fee / account holder | $866 | $2,491-65.2% | $4,695-81.5% | $6,925-87.5% |