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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 | $2,505 | $23,330-89.3% | $64,489-96.1% | $82,448-97.0% |
| Participation rate | 86.2% | 68.3%+17.9pp | 67.7%+18.5pp | 68.1%+18.1pp |
| Annual return | 16.27% | 83.66%-67.4pp | 55.03%-38.8pp | 41.64%-25.4pp |
| Employer contribution / active EE | $383 | $824-53.6% | $1,523-74.9% | $2,551-85.0% |
| Participant deferral / active EE | $884 | $1,707-48.2% | $2,778-68.2% | $4,139-78.6% |
| Admin fee / account holder | $602 | $2,946-79.6% | $4,260-85.9% | $7,234-91.7% |