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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 | $7,608 | $22,602-66.3% | $65,583-88.4% | $75,177-89.9% |
| Participation rate | 76.5% | 63.1%+13.5pp | 65.0%+11.6pp | 67.2%+9.3pp |
| Annual return | 23.80% | 71.13%-47.3pp | 47.46%-23.7pp | 160.75%-136.9pp |
| Employer contribution / active EE | $595 | $941-36.7% | $1,692-64.8% | $2,671-77.7% |
| Participant deferral / active EE | $1,615 | $1,695-4.7% | $2,833-43.0% | $4,126-60.9% |
| Admin fee / account holder | $571 | $1,877-69.6% | $4,112-86.1% | $5,651-89.9% |