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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 | $8,442 | $24,618-65.7% | $71,585-88.2% | $82,637-89.8% |
| Participation rate | 83.8% | 68.2%+15.6pp | 68.2%+15.7pp | 68.1%+15.8pp |
| Annual return | 19.12% | 93.17%-74.0pp | 59.26%-40.1pp | 53.51%-34.4pp |
| Employer contribution / active EE | $671 | $852-21.2% | $1,669-59.8% | $2,552-73.7% |
| Participant deferral / active EE | $1,828 | $1,720+6.3% | $2,923-37.5% | $4,126-55.7% |
| Admin fee / account holder | $1,700 | $3,285-48.3% | $4,712-63.9% | $7,339-76.8% |