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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 | $3,840 | $24,618-84.4% | $71,585-94.6% | $82,637-95.4% |
| Participation rate | 71.1% | 68.2%+2.9pp | 68.2%+2.9pp | 68.1%+3.0pp |
| Annual return | 16.15% | 93.17%-77.0pp | 59.26%-43.1pp | 53.51%-37.4pp |
| Employer contribution / active EE | $448 | $852-47.4% | $1,669-73.1% | $2,552-82.4% |
| Participant deferral / active EE | $750 | $1,720-56.4% | $2,923-74.3% | $4,126-81.8% |
| Admin fee / account holder | $1,242 | $3,285-62.2% | $4,712-73.6% | $7,339-83.1% |