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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 | $6,271 | $51,222-87.8% | $70,544-91.1% | $75,173-91.7% |
| Participation rate | 78.8% | 61.0%+17.9pp | 68.4%+10.5pp | 67.2%+11.6pp |
| Annual return | 21.05% | 30.06%-9.0pp | 32.79%-11.7pp | 160.72%-139.7pp |
| Employer contribution / active EE | $942 | $1,827-48.4% | $2,976-68.3% | $2,671-64.7% |
| Participant deferral / active EE | $2,498 | $2,850-12.4% | $4,568-45.3% | $4,126-39.5% |
| Admin fee / account holder | $1,120 | $4,096-72.6% | $6,427-82.6% | $5,651-80.2% |