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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 | $3,747 | $16,790-77.7% | $64,489-94.2% | $67,986-94.5% |
| Participation rate | 71.7% | 62.4%+9.3pp | 67.7%+4.0pp | 57.2%+14.5pp |
| Annual return | 24.94% | 30.55%-5.6pp | 55.03%-30.1pp | 31.67%-6.7pp |
| Employer contribution / active EE | $537 | $648-17.1% | $1,523-64.8% | $2,019-73.4% |
| Participant deferral / active EE | $1,042 | $1,510-31.0% | $2,778-62.5% | $3,358-69.0% |
| Admin fee / account holder | $809 | $1,690-52.1% | $4,260-81.0% | $3,203-74.7% |