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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 | $7,588 | $49,976-84.8% | $66,674-88.6% | $82,637-90.8% |
| Participation rate | 75.0% | 63.1%+11.9pp | 73.7%+1.3pp | 68.1%+6.9pp |
| Annual return | 19.20% | 39.09%-19.9pp | 321.24%-302.0pp | 53.51%-34.3pp |
| Employer contribution / active EE | $1,289 | $1,988-35.2% | $2,620-50.8% | $2,552-49.5% |
| Participant deferral / active EE | $1,938 | $2,847-31.9% | $4,084-52.6% | $4,126-53.0% |
| Admin fee / account holder | $782 | $4,594-83.0% | $5,098-84.7% | $7,339-89.3% |