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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 | $21,884 | $108,285-79.8% | $77,552-71.8% | $158,982-86.2% |
| Participation rate | 77.3% | 64.4%+12.8pp | 54.2%+23.1pp | 82.0%-4.7pp |
| Annual return | 8.13% | 31.69%-23.6pp | 54.82%-46.7pp | 302.99%-294.9pp |
| Employer contribution / active EE | $732 | $1,325-44.7% | $987-25.8% | $4,763-84.6% |
| Participant deferral / active EE | $2,138 | $2,455-12.9% | $1,861+14.9% | $5,983-64.3% |
| Admin fee / account holder | $1,920 | $3,709-48.2% | $2,859-32.8% | $11,252-82.9% |