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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 | $2,250 | $25,014-91.0% | $69,623-96.8% | $80,935-97.2% |
| Participation rate | 77.4% | 64.2%+13.2pp | 66.4%+10.9pp | 67.7%+9.7pp |
| Annual return | 14.12% | 19.08%-5.0pp | 101.23%-87.1pp | 35.66%-21.5pp |
| Employer contribution / active EE | $400 | $991-59.7% | $1,709-76.6% | $2,757-85.5% |
| Participant deferral / active EE | $844 | $1,840-54.1% | $2,890-70.8% | $4,299-80.4% |
| Admin fee / account holder | $615 | $2,491-75.3% | $4,696-86.9% | $6,924-91.1% |