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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 | $3,869 | $23,330-83.4% | $64,489-94.0% | $82,448-95.3% |
| Participation rate | 93.8% | 68.3%+25.6pp | 67.7%+26.2pp | 68.1%+25.8pp |
| Annual return | 16.35% | 83.66%-67.3pp | 55.03%-38.7pp | 41.64%-25.3pp |
| Employer contribution / active EE | $695 | $824-15.7% | $1,523-54.4% | $2,551-72.8% |
| Participant deferral / active EE | $1,887 | $1,707+10.5% | $2,778-32.1% | $4,139-54.4% |
| Admin fee / account holder | $1,389 | $2,946-52.8% | $4,260-67.4% | $7,234-80.8% |