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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 | $3,551 | $25,014-85.8% | $69,460-94.9% | $80,911-95.6% |
| Participation rate | 87.9% | 64.2%+23.7pp | 66.4%+21.4pp | 67.6%+20.2pp |
| Annual return | 14.71% | 19.08%-4.4pp | 100.80%-86.1pp | 35.63%-20.9pp |
| Employer contribution / active EE | $682 | $991-31.2% | $1,714-60.2% | $2,756-75.2% |
| Participant deferral / active EE | $1,242 | $1,839-32.5% | $2,890-57.0% | $4,297-71.1% |
| Admin fee / account holder | $861 | $2,491-65.4% | $4,695-81.7% | $6,935-87.6% |