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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 | $5,572 | $23,330-76.1% | $64,489-91.4% | $82,448-93.2% |
| Participation rate | 77.3% | 68.3%+9.0pp | 67.7%+9.6pp | 68.1%+9.2pp |
| Annual return | 21.23% | 83.66%-62.4pp | 55.03%-33.8pp | 41.64%-20.4pp |
| Employer contribution / active EE | $419 | $824-49.2% | $1,523-72.5% | $2,551-83.6% |
| Participant deferral / active EE | $1,324 | $1,707-22.4% | $2,778-52.3% | $4,139-68.0% |
| Admin fee / account holder | $747 | $2,946-74.6% | $4,260-82.5% | $7,234-89.7% |