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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 | $8,018 | $23,330-65.6% | $64,489-87.6% | $82,448-90.3% |
| Participation rate | 76.9% | 68.3%+8.6pp | 67.7%+9.2pp | 68.1%+8.9pp |
| Annual return | 19.83% | 83.66%-63.8pp | 55.03%-35.2pp | 41.64%-21.8pp |
| Employer contribution / active EE | $656 | $824-20.4% | $1,523-56.9% | $2,551-74.3% |
| Participant deferral / active EE | $2,390 | $1,707+40.0% | $2,778-14.0% | $4,139-42.3% |
| Admin fee / account holder | $1,087 | $2,946-63.1% | $4,260-74.5% | $7,234-85.0% |