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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 | $4,284 | $25,014-82.9% | $69,632-93.8% | $80,959-94.7% |
| Participation rate | 76.4% | 64.2%+12.2pp | 66.4%+10.0pp | 67.7%+8.7pp |
| Annual return | 15.97% | 19.08%-3.1pp | 101.32%-85.4pp | 35.67%-19.7pp |
| Employer contribution / active EE | $819 | $991-17.4% | $1,708-52.1% | $2,757-70.3% |
| Participant deferral / active EE | $1,679 | $1,840-8.7% | $2,889-41.9% | $4,300-61.0% |
| Admin fee / account holder | $1,343 | $2,491-46.1% | $4,695-71.4% | $6,925-80.6% |