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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 | $55,930-85.6% | $76,089-89.4% | $80,925-90.1% |
| Participation rate | 79.4% | 62.1%+17.4pp | 69.1%+10.3pp | 67.7%+11.8pp |
| Annual return | 15.86% | 20.58%-4.7pp | 360.94%-345.1pp | 35.65%-19.8pp |
| Employer contribution / active EE | $675 | $1,866-63.9% | $2,690-74.9% | $2,756-75.5% |
| Participant deferral / active EE | $3,120 | $3,051+2.3% | $4,259-26.7% | $4,299-27.4% |
| Admin fee / account holder | $973 | $5,241-81.4% | $6,418-84.8% | $6,940-86.0% |