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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 | $9,978 | $23,330-57.2% | $64,489-84.5% | $82,448-87.9% |
| Participation rate | 83.9% | 68.3%+15.6pp | 67.7%+16.2pp | 68.1%+15.8pp |
| Annual return | 19.41% | 83.66%-64.3pp | 55.03%-35.6pp | 41.64%-22.2pp |
| Employer contribution / active EE | $954 | $824+15.7% | $1,523-37.4% | $2,551-62.6% |
| Participant deferral / active EE | $2,177 | $1,707+27.5% | $2,778-21.6% | $4,139-47.4% |
| Admin fee / account holder | $861 | $2,946-70.8% | $4,260-79.8% | $7,234-88.1% |