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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 | $9,070 | $61,125-85.2% | $94,057-90.4% | $87,485-89.6% |
| Participation rate | 83.9% | 64.1%+19.8pp | 73.3%+10.5pp | 68.9%+14.9pp |
| Annual return | 13.81% | 35.20%-21.4pp | 480.62%-466.8pp | 26.06%-12.2pp |
| Employer contribution / active EE | $198 | $2,136-90.7% | $2,933-93.2% | $2,596-92.4% |
| Participant deferral / active EE | $2,049 | $3,260-37.1% | $4,709-56.5% | $4,274-52.0% |
| Admin fee / account holder | $534 | $5,629-90.5% | $7,244-92.6% | $7,775-93.1% |