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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 | $4,299 | $25,014-82.8% | $69,611-93.8% | $80,925-94.7% |
| Participation rate | 76.4% | 64.2%+12.2pp | 66.4%+9.9pp | 67.7%+8.7pp |
| Annual return | 20.77% | 19.08%+1.7pp | 101.14%-80.4pp | 35.65%-14.9pp |
| Employer contribution / active EE | $780 | $991-21.3% | $1,709-54.3% | $2,756-71.7% |
| Participant deferral / active EE | $1,735 | $1,840-5.7% | $2,891-40.0% | $4,299-59.6% |
| Admin fee / account holder | $1,019 | $2,491-59.1% | $4,696-78.3% | $6,940-85.3% |