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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 | $14,719 | $49,976-70.5% | $66,674-77.9% | $82,637-82.2% |
| Participation rate | 79.5% | 63.1%+16.4pp | 73.7%+5.8pp | 68.1%+11.5pp |
| Annual return | 19.04% | 39.09%-20.1pp | 321.24%-302.2pp | 53.51%-34.5pp |
| Employer contribution / active EE | $810 | $1,988-59.3% | $2,620-69.1% | $2,552-68.3% |
| Participant deferral / active EE | $2,122 | $2,847-25.5% | $4,084-48.0% | $4,126-48.6% |
| Admin fee / account holder | $769 | $4,594-83.3% | $5,098-84.9% | $7,339-89.5% |