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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 | $4,865 | $25,014-80.6% | $69,611-93.0% | $80,925-94.0% |
| Participation rate | 74.3% | 64.2%+10.1pp | 66.4%+7.9pp | 67.7%+6.6pp |
| Annual return | 14.80% | 19.08%-4.3pp | 101.14%-86.3pp | 35.65%-20.8pp |
| Employer contribution / active EE | $752 | $991-24.1% | $1,709-56.0% | $2,756-72.7% |
| Participant deferral / active EE | $1,499 | $1,840-18.5% | $2,891-48.2% | $4,299-65.1% |
| Admin fee / account holder | $1,922 | $2,491-22.8% | $4,696-59.1% | $6,940-72.3% |