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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 | $8,037 | $55,902-85.6% | $76,030-89.4% | $80,959-90.1% |
| Participation rate | 79.4% | 62.1%+17.3pp | 69.1%+10.4pp | 67.7%+11.7pp |
| Annual return | 15.86% | 20.59%-4.7pp | 361.54%-345.7pp | 35.67%-19.8pp |
| Employer contribution / active EE | $675 | $1,867-63.9% | $2,688-74.9% | $2,757-75.5% |
| Participant deferral / active EE | $3,120 | $3,051+2.3% | $4,257-26.7% | $4,300-27.4% |
| Admin fee / account holder | $973 | $5,239-81.4% | $6,421-84.8% | $6,925-85.9% |