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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 | $6,212 | $23,330-73.4% | $64,489-90.4% | $82,448-92.5% |
| Participation rate | 84.9% | 68.3%+16.6pp | 67.7%+17.2pp | 68.1%+16.9pp |
| Annual return | 19.28% | 83.66%-64.4pp | 55.03%-35.7pp | 41.64%-22.4pp |
| Employer contribution / active EE | $593 | $824-28.1% | $1,523-61.1% | $2,551-76.8% |
| Participant deferral / active EE | $1,574 | $1,707-7.8% | $2,778-43.3% | $4,139-62.0% |
| Admin fee / account holder | $820 | $2,946-72.2% | $4,260-80.8% | $7,234-88.7% |