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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 | $7,626 | $23,330-67.3% | $64,489-88.2% | $82,448-90.8% |
| Participation rate | 82.8% | 68.3%+14.5pp | 67.7%+15.1pp | 68.1%+14.7pp |
| Annual return | 22.43% | 83.66%-61.2pp | 55.03%-32.6pp | 41.64%-19.2pp |
| Employer contribution / active EE | $675 | $824-18.1% | $1,523-55.7% | $2,551-73.5% |
| Participant deferral / active EE | $1,443 | $1,707-15.5% | $2,778-48.1% | $4,139-65.1% |
| Admin fee / account holder | $712 | $2,946-75.8% | $4,260-83.3% | $7,234-90.2% |