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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 | $4,652 | $69,118-93.3% | $53,647-91.3% | $138,895-96.7% |
| Participation rate | 72.7% | 64.0%+8.8pp | 56.3%+16.4pp | 79.9%-7.2pp |
| Annual return | 21.58% | 248.26%-226.7pp | 358.33%-336.8pp | 145.39%-123.8pp |
| Employer contribution / active EE | $423 | $1,189-64.5% | $962-56.1% | $4,194-89.9% |
| Participant deferral / active EE | $1,301 | $2,274-42.8% | $1,813-28.3% | $6,396-79.7% |
| Admin fee / account holder | $590 | $2,724-78.4% | $2,460-76.0% | $12,562-95.3% |