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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 | $3,064 | $25,014-87.8% | $69,632-95.6% | $80,959-96.2% |
| Participation rate | 71.8% | 64.2%+7.6pp | 66.4%+5.4pp | 67.7%+4.1pp |
| Annual return | 18.43% | 19.08%-0.6pp | 101.32%-82.9pp | 35.67%-17.2pp |
| Employer contribution / active EE | $745 | $991-24.8% | $1,708-56.4% | $2,757-73.0% |
| Participant deferral / active EE | $1,696 | $1,840-7.8% | $2,889-41.3% | $4,300-60.6% |
| Admin fee / account holder | $1,959 | $2,491-21.4% | $4,695-58.3% | $6,925-71.7% |