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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 | $12,667 | $57,140-77.8% | $85,240-85.1% | $80,959-84.4% |
| Participation rate | 81.5% | 56.4%+25.1pp | 67.5%+14.0pp | 67.7%+13.8pp |
| Annual return | 11.03% | 21.71%-10.7pp | 66.75%-55.7pp | 35.67%-24.6pp |
| Employer contribution / active EE | $705 | $1,802-60.9% | $2,735-74.2% | $2,757-74.4% |
| Participant deferral / active EE | $1,372 | $3,115-55.9% | $4,527-69.7% | $4,300-68.1% |
| Admin fee / account holder | $1,900 | $4,992-61.9% | $6,165-69.2% | $6,925-72.6% |