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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 | $11,907 | $23,330-49.0% | $64,489-81.5% | $82,448-85.6% |
| Participation rate | 71.9% | 68.3%+3.6pp | 67.7%+4.2pp | 68.1%+3.8pp |
| Annual return | 19.40% | 83.66%-64.3pp | 55.03%-35.6pp | 41.64%-22.2pp |
| Employer contribution / active EE | $581 | $824-29.5% | $1,523-61.9% | $2,551-77.2% |
| Participant deferral / active EE | $2,577 | $1,707+50.9% | $2,778-7.2% | $4,139-37.7% |
| Admin fee / account holder | $1,534 | $2,946-47.9% | $4,260-64.0% | $7,234-78.8% |