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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 | $4,378 | $23,330-81.2% | $64,489-93.2% | $82,448-94.7% |
| Participation rate | 89.5% | 68.3%+21.2pp | 67.7%+21.8pp | 68.1%+21.4pp |
| Annual return | 17.98% | 83.66%-65.7pp | 55.03%-37.0pp | 41.64%-23.7pp |
| Employer contribution / active EE | $628 | $824-23.9% | $1,523-58.8% | $2,551-75.4% |
| Participant deferral / active EE | $1,537 | $1,707-10.0% | $2,778-44.7% | $4,139-62.9% |
| Admin fee / account holder | $1,652 | $2,946-43.9% | $4,260-61.2% | $7,234-77.2% |