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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 | $4,829 | $69,118-93.0% | $53,647-91.0% | $138,895-96.5% |
| Participation rate | 79.2% | 64.0%+15.2pp | 56.3%+22.9pp | 79.9%-0.8pp |
| Annual return | 14.73% | 248.26%-233.5pp | 358.33%-343.6pp | 145.39%-130.7pp |
| Employer contribution / active EE | $405 | $1,189-66.0% | $962-57.9% | $4,194-90.4% |
| Participant deferral / active EE | $632 | $2,274-72.2% | $1,813-65.2% | $6,396-90.1% |
| Admin fee / account holder | $931 | $2,724-65.8% | $2,460-62.2% | $12,562-92.6% |