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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 | $4,052 | $36,948-89.0% | $73,658-94.5% | $87,485-95.4% |
| Participation rate | 75.0% | 46.8%+28.2pp | 57.0%+18.0pp | 68.9%+6.1pp |
| Annual return | 22.95% | 28.64%-5.7pp | 29.72%-6.8pp | 26.06%-3.1pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,246 | $1,379-9.6% | $2,062-39.6% | $4,274-70.8% |
| Admin fee / account holder | $922 | $2,531-63.6% | $3,357-72.5% | $7,775-88.1% |