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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 | $8,011 | $23,330-65.7% | $64,489-87.6% | $82,448-90.3% |
| Participation rate | 87.5% | 68.3%+19.2pp | 67.7%+19.8pp | 68.1%+19.4pp |
| Annual return | 20.94% | 83.66%-62.7pp | 55.03%-34.1pp | 41.64%-20.7pp |
| Employer contribution / active EE | $550 | $824-33.3% | $1,523-63.9% | $2,551-78.4% |
| Participant deferral / active EE | $2,354 | $1,707+37.9% | $2,778-15.3% | $4,139-43.1% |
| Admin fee / account holder | $858 | $2,946-70.9% | $4,260-79.9% | $7,234-88.1% |