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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 | $7,804 | $24,618-68.3% | $71,585-89.1% | $82,637-90.6% |
| Participation rate | 77.6% | 68.2%+9.4pp | 68.2%+9.4pp | 68.1%+9.5pp |
| Annual return | 15.88% | 93.17%-77.3pp | 59.26%-43.4pp | 53.51%-37.6pp |
| Employer contribution / active EE | $1,086 | $852+27.4% | $1,669-34.9% | $2,552-57.5% |
| Participant deferral / active EE | $1,936 | $1,720+12.5% | $2,923-33.8% | $4,126-53.1% |
| Admin fee / account holder | $1,835 | $3,285-44.1% | $4,712-61.0% | $7,339-75.0% |