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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 | $8,288 | $23,330-64.5% | $64,489-87.1% | $82,448-89.9% |
| Participation rate | 84.5% | 68.3%+16.2pp | 67.7%+16.8pp | 68.1%+16.4pp |
| Annual return | 17.24% | 83.66%-66.4pp | 55.03%-37.8pp | 41.64%-24.4pp |
| Employer contribution / active EE | $534 | $824-35.3% | $1,523-65.0% | $2,551-79.1% |
| Participant deferral / active EE | $1,812 | $1,707+6.1% | $2,778-34.8% | $4,139-56.2% |
| Admin fee / account holder | $701 | $2,946-76.2% | $4,260-83.5% | $7,234-90.3% |