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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% | $69,701-95.6% | $80,874-96.2% |
| Participation rate | 76.6% | 64.2%+12.4pp | 66.4%+10.2pp | 67.6%+9.0pp |
| Annual return | 16.77% | 19.07%-2.3pp | 100.32%-83.5pp | 35.62%-18.8pp |
| Employer contribution / active EE | $511 | $993-48.5% | $1,713-70.2% | $2,756-81.4% |
| Participant deferral / active EE | $1,189 | $1,839-35.4% | $2,887-58.8% | $4,297-72.3% |
| Admin fee / account holder | $975 | $2,488-60.8% | $4,717-79.3% | $6,935-85.9% |