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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 | $8,159 | $29,733-72.6% | $56,025-85.4% | $80,959-89.9% |
| Participation rate | 75.9% | 41.7%+34.2pp | 52.5%+23.4pp | 67.7%+8.2pp |
| Annual return | 11.92% | 35.28%-23.4pp | 1712.69%-1700.8pp | 35.67%-23.7pp |
| Employer contribution / active EE | $570 | $672-15.1% | $1,042-45.3% | $2,757-79.3% |
| Participant deferral / active EE | $1,207 | $1,229-1.8% | $1,955-38.3% | $4,300-71.9% |
| Admin fee / account holder | $1,760 | $2,434-27.7% | $2,828-37.8% | $6,925-74.6% |