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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% | $69,611-95.6% | $80,925-96.2% |
| Participation rate | 76.6% | 64.2%+12.4pp | 66.4%+10.2pp | 67.7%+9.0pp |
| Annual return | 16.77% | 19.08%-2.3pp | 101.14%-84.4pp | 35.65%-18.9pp |
| Employer contribution / active EE | $511 | $991-48.4% | $1,709-70.1% | $2,756-81.5% |
| Participant deferral / active EE | $1,189 | $1,840-35.4% | $2,891-58.9% | $4,299-72.3% |
| Admin fee / account holder | $975 | $2,491-60.8% | $4,696-79.2% | $6,940-85.9% |