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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 | $3,506 | $24,891-85.9% | $69,623-95.0% | $74,459-95.3% |
| Participation rate | 76.1% | 63.4%+12.7pp | 66.4%+9.7pp | 67.2%+8.9pp |
| Annual return | 17.92% | 18.53%-0.6pp | 101.23%-83.3pp | 1369.70%-1351.8pp |
| Employer contribution / active EE | $1,160 | $1,005+15.4% | $1,709-32.1% | $2,626-55.8% |
| Participant deferral / active EE | $1,897 | $1,908-0.6% | $2,890-34.4% | $4,350-56.4% |
| Admin fee / account holder | $303 | $1,904-84.1% | $4,696-93.6% | $1,945-84.4% |