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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 | $8,051 | $51,638-84.4% | $68,368-88.2% | $82,448-90.2% |
| Participation rate | 90.2% | 63.6%+26.6pp | 73.8%+16.4pp | 68.1%+22.1pp |
| Annual return | 16.36% | 37.53%-21.2pp | 292.57%-276.2pp | 41.64%-25.3pp |
| Employer contribution / active EE | $1,303 | $2,047-36.3% | $2,649-50.8% | $2,551-48.9% |
| Participant deferral / active EE | $2,964 | $2,914+1.7% | $4,123-28.1% | $4,139-28.4% |
| Admin fee / account holder | $1,706 | $4,643-63.3% | $5,150-66.9% | $7,234-76.4% |