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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 | $6,658 | $29,733-77.6% | $56,025-88.1% | $80,959-91.8% |
| Participation rate | 76.9% | 41.7%+35.2pp | 52.5%+24.4pp | 67.7%+9.3pp |
| Annual return | 16.54% | 35.28%-18.7pp | 1712.69%-1696.1pp | 35.67%-19.1pp |
| Employer contribution / active EE | $852 | $672+26.8% | $1,042-18.2% | $2,757-69.1% |
| Participant deferral / active EE | $1,556 | $1,229+26.5% | $1,955-20.4% | $4,300-63.8% |
| Admin fee / account holder | $694 | $2,434-71.5% | $2,828-75.5% | $6,925-90.0% |