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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 | $3,043 | $25,014-87.8% | $69,632-95.6% | $80,959-96.2% |
| Participation rate | 76.6% | 64.2%+12.4pp | 66.4%+10.2pp | 67.7%+9.0pp |
| Annual return | 16.77% | 19.08%-2.3pp | 101.32%-84.6pp | 35.67%-18.9pp |
| Employer contribution / active EE | $511 | $991-48.4% | $1,708-70.1% | $2,757-81.5% |
| Participant deferral / active EE | $1,189 | $1,840-35.4% | $2,889-58.9% | $4,300-72.4% |
| Admin fee / account holder | $975 | $2,491-60.8% | $4,695-79.2% | $6,925-85.9% |