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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 | $3,567 | $25,014-85.7% | $69,623-94.9% | $80,935-95.6% |
| Participation rate | 84.8% | 64.2%+20.6pp | 66.4%+18.4pp | 67.7%+17.2pp |
| Annual return | 14.19% | 19.08%-4.9pp | 101.23%-87.0pp | 35.66%-21.5pp |
| Employer contribution / active EE | $475 | $991-52.1% | $1,709-72.2% | $2,757-82.8% |
| Participant deferral / active EE | $1,102 | $1,840-40.1% | $2,890-61.9% | $4,299-74.4% |
| Admin fee / account holder | $591 | $2,491-76.3% | $4,696-87.4% | $6,924-91.5% |