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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 | $6,089 | $23,330-73.9% | $64,489-90.6% | $82,448-92.6% |
| Participation rate | 77.8% | 68.3%+9.5pp | 67.7%+10.1pp | 68.1%+9.7pp |
| Annual return | 25.75% | 83.66%-57.9pp | 55.03%-29.3pp | 41.64%-15.9pp |
| Employer contribution / active EE | $855 | $824+3.7% | $1,523-43.9% | $2,551-66.5% |
| Participant deferral / active EE | $985 | $1,707-42.3% | $2,778-64.5% | $4,139-76.2% |
| Admin fee / account holder | $1,477 | $2,946-49.8% | $4,260-65.3% | $7,234-79.6% |