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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 | $3,424 | $25,014-86.3% | $69,632-95.1% | $80,959-95.8% |
| Participation rate | 73.9% | 64.2%+9.7pp | 66.4%+7.5pp | 67.7%+6.2pp |
| Annual return | 15.37% | 19.08%-3.7pp | 101.32%-86.0pp | 35.67%-20.3pp |
| Employer contribution / active EE | $870 | $991-12.3% | $1,708-49.1% | $2,757-68.5% |
| Participant deferral / active EE | $2,134 | $1,840+16.0% | $2,889-26.1% | $4,300-50.4% |
| Admin fee / account holder | $473 | $2,491-81.0% | $4,695-89.9% | $6,925-93.2% |