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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 | $4,034 | $24,891-83.8% | $69,632-94.2% | $74,478-94.6% |
| Participation rate | 78.2% | 63.4%+14.7pp | 66.4%+11.8pp | 67.2%+11.0pp |
| Annual return | 27.27% | 18.53%+8.7pp | 101.32%-74.1pp | 1370.56%-1343.3pp |
| Employer contribution / active EE | $324 | $1,005-67.7% | $1,708-81.0% | $2,626-87.6% |
| Participant deferral / active EE | $1,836 | $1,908-3.8% | $2,889-36.5% | $4,350-57.8% |
| Admin fee / account holder | $1,289 | $1,904-32.3% | $4,695-72.6% | $1,946-33.8% |