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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 | $3,242 | $19,646-83.5% | $71,585-95.5% | $64,097-94.9% |
| Participation rate | 83.5% | 64.7%+18.8pp | 68.2%+15.3pp | 55.2%+28.3pp |
| Annual return | 21.59% | 36.81%-15.2pp | 59.26%-37.7pp | 34.64%-13.1pp |
| Employer contribution / active EE | $325 | $713-54.4% | $1,669-80.5% | $1,891-82.8% |
| Participant deferral / active EE | $901 | $1,665-45.9% | $2,923-69.2% | $3,080-70.7% |
| Admin fee / account holder | $913 | $1,850-50.6% | $4,712-80.6% | $3,454-73.6% |