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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 | $5,440 | $23,330-76.7% | $64,489-91.6% | $82,448-93.4% |
| Participation rate | 90.3% | 68.3%+22.0pp | 67.7%+22.6pp | 68.1%+22.3pp |
| Annual return | 19.29% | 83.66%-64.4pp | 55.03%-35.7pp | 41.64%-22.3pp |
| Employer contribution / active EE | $769 | $824-6.7% | $1,523-49.5% | $2,551-69.8% |
| Participant deferral / active EE | $1,118 | $1,707-34.5% | $2,778-59.7% | $4,139-73.0% |
| Admin fee / account holder | $386 | $2,946-86.9% | $4,260-90.9% | $7,234-94.7% |