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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 | $9,521 | $23,330-59.2% | $64,489-85.2% | $82,448-88.5% |
| Participation rate | 88.1% | 68.3%+19.8pp | 67.7%+20.4pp | 68.1%+20.0pp |
| Annual return | 23.04% | 83.66%-60.6pp | 55.03%-32.0pp | 41.64%-18.6pp |
| Employer contribution / active EE | $727 | $824-11.8% | $1,523-52.3% | $2,551-71.5% |
| Participant deferral / active EE | $2,815 | $1,707+64.9% | $2,778+1.3% | $4,139-32.0% |
| Admin fee / account holder | $2,280 | $2,946-22.6% | $4,260-46.5% | $7,234-68.5% |