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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 | $8,296 | $51,638-83.9% | $68,368-87.9% | $82,448-89.9% |
| Participation rate | 85.2% | 63.6%+21.6pp | 73.8%+11.4pp | 68.1%+17.1pp |
| Annual return | 18.60% | 37.53%-18.9pp | 292.57%-274.0pp | 41.64%-23.0pp |
| Employer contribution / active EE | $720 | $2,047-64.8% | $2,649-72.8% | $2,551-71.8% |
| Participant deferral / active EE | $2,399 | $2,914-17.6% | $4,123-41.8% | $4,139-42.0% |
| Admin fee / account holder | $2,415 | $4,643-48.0% | $5,150-53.1% | $7,234-66.6% |