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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 | $4,401 | $19,646-77.6% | $71,585-93.9% | $64,097-93.1% |
| Participation rate | 94.6% | 64.7%+29.9pp | 68.2%+26.5pp | 55.2%+39.5pp |
| Annual return | 15.14% | 36.81%-21.7pp | 59.26%-44.1pp | 34.64%-19.5pp |
| Employer contribution / active EE | $0 | $713-100.0% | $1,669-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,736 | $1,665+4.3% | $2,923-40.6% | $3,080-43.6% |
| Admin fee / account holder | $866 | $1,850-53.2% | $4,712-81.6% | $3,454-74.9% |