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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 | $5,919 | $19,646-69.9% | $71,585-91.7% | $64,097-90.8% |
| Participation rate | 86.4% | 64.7%+21.7pp | 68.2%+18.2pp | 55.2%+31.2pp |
| Annual return | 22.81% | 36.81%-14.0pp | 59.26%-36.5pp | 34.64%-11.8pp |
| Employer contribution / active EE | $787 | $713+10.4% | $1,669-52.8% | $1,891-58.4% |
| Participant deferral / active EE | $1,763 | $1,665+5.9% | $2,923-39.7% | $3,080-42.8% |
| Admin fee / account holder | $637 | $1,850-65.5% | $4,712-86.5% | $3,454-81.5% |