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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 | $4,415 | $24,891-82.3% | $69,623-93.7% | $74,459-94.1% |
| Participation rate | 82.7% | 63.4%+19.3pp | 66.4%+16.3pp | 67.2%+15.5pp |
| Annual return | 16.34% | 18.53%-2.2pp | 101.23%-84.9pp | 1369.70%-1353.4pp |
| Employer contribution / active EE | $966 | $1,005-3.9% | $1,709-43.5% | $2,626-63.2% |
| Participant deferral / active EE | $2,121 | $1,908+11.2% | $2,890-26.6% | $4,350-51.2% |
| Admin fee / account holder | $1,404 | $1,904-26.3% | $4,696-70.1% | $1,945-27.8% |