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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 | $8,106 | $23,330-65.3% | $64,489-87.4% | $82,448-90.2% |
| Participation rate | 77.6% | 68.3%+9.3pp | 67.7%+9.9pp | 68.1%+9.6pp |
| Annual return | 45.86% | 83.66%-37.8pp | 55.03%-9.2pp | 41.64%+4.2pp |
| Employer contribution / active EE | $721 | $824-12.5% | $1,523-52.7% | $2,551-71.7% |
| Participant deferral / active EE | $1,854 | $1,707+8.6% | $2,778-33.2% | $4,139-55.2% |
| Admin fee / account holder | $1,492 | $2,946-49.4% | $4,260-65.0% | $7,234-79.4% |