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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 | $3,938 | $23,330-83.1% | $64,489-93.9% | $82,448-95.2% |
| Participation rate | 94.5% | 68.3%+26.2pp | 67.7%+26.8pp | 68.1%+26.4pp |
| Annual return | 15.57% | 83.66%-68.1pp | 55.03%-39.5pp | 41.64%-26.1pp |
| Employer contribution / active EE | $714 | $824-13.4% | $1,523-53.2% | $2,551-72.0% |
| Participant deferral / active EE | $1,676 | $1,707-1.8% | $2,778-39.7% | $4,139-59.5% |
| Admin fee / account holder | $1,626 | $2,946-44.8% | $4,260-61.8% | $7,234-77.5% |