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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 | $3,890 | $25,014-84.4% | $69,460-94.4% | $80,911-95.2% |
| Participation rate | 82.2% | 64.2%+18.0pp | 66.4%+15.8pp | 67.6%+14.6pp |
| Annual return | 17.92% | 19.08%-1.2pp | 100.80%-82.9pp | 35.63%-17.7pp |
| Employer contribution / active EE | $834 | $991-15.9% | $1,714-51.3% | $2,756-69.7% |
| Participant deferral / active EE | $1,991 | $1,839+8.3% | $2,890-31.1% | $4,297-53.7% |
| Admin fee / account holder | $1,161 | $2,491-53.4% | $4,695-75.3% | $6,935-83.3% |