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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 | $15,615 | $58,848-73.5% | $88,179-82.3% | $82,637-81.1% |
| Participation rate | 86.2% | 57.9%+28.3pp | 69.1%+17.1pp | 68.1%+18.2pp |
| Annual return | 18.21% | 22.76%-4.5pp | 64.97%-46.8pp | 53.51%-35.3pp |
| Employer contribution / active EE | $626 | $1,678-62.7% | $2,549-75.4% | $2,552-75.5% |
| Participant deferral / active EE | $6,025 | $3,124+92.9% | $4,614+30.6% | $4,126+46.0% |
| Admin fee / account holder | $2,009 | $4,795-58.1% | $7,673-73.8% | $7,339-72.6% |