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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 | $49,976-83.4% | $66,674-87.6% | $82,637-90.0% |
| Participation rate | 85.2% | 63.1%+22.1pp | 73.7%+11.5pp | 68.1%+17.1pp |
| Annual return | 18.60% | 39.09%-20.5pp | 321.24%-302.6pp | 53.51%-34.9pp |
| Employer contribution / active EE | $720 | $1,988-63.8% | $2,620-72.5% | $2,552-71.8% |
| Participant deferral / active EE | $2,399 | $2,847-15.7% | $4,084-41.2% | $4,126-41.8% |
| Admin fee / account holder | $2,415 | $4,594-47.4% | $5,098-52.6% | $7,339-67.1% |