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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 | $3,355 | $23,330-85.6% | $64,489-94.8% | $82,448-95.9% |
| Participation rate | 77.9% | 68.3%+9.7pp | 67.7%+10.2pp | 68.1%+9.9pp |
| Annual return | 17.44% | 83.66%-66.2pp | 55.03%-37.6pp | 41.64%-24.2pp |
| Employer contribution / active EE | $303 | $824-63.3% | $1,523-80.1% | $2,551-88.1% |
| Participant deferral / active EE | $1,107 | $1,707-35.1% | $2,778-60.1% | $4,139-73.3% |
| Admin fee / account holder | $824 | $2,946-72.0% | $4,260-80.7% | $7,234-88.6% |