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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 | $5,007 | $16,790-70.2% | $64,489-92.2% | $67,986-92.6% |
| Participation rate | 79.2% | 62.4%+16.8pp | 67.7%+11.6pp | 57.2%+22.0pp |
| Annual return | 23.68% | 30.55%-6.9pp | 55.03%-31.3pp | 31.67%-8.0pp |
| Employer contribution / active EE | $712 | $648+9.9% | $1,523-53.3% | $2,019-64.7% |
| Participant deferral / active EE | $1,541 | $1,510+2.0% | $2,778-44.5% | $3,358-54.1% |
| Admin fee / account holder | $1,082 | $1,690-36.0% | $4,260-74.6% | $3,203-66.2% |