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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 | $3,643 | $23,330-84.4% | $64,489-94.4% | $82,448-95.6% |
| Participation rate | 77.5% | 68.3%+9.2pp | 67.7%+9.8pp | 68.1%+9.4pp |
| Annual return | 22.79% | 83.66%-60.9pp | 55.03%-32.2pp | 41.64%-18.8pp |
| Employer contribution / active EE | $592 | $824-28.2% | $1,523-61.1% | $2,551-76.8% |
| Participant deferral / active EE | $1,435 | $1,707-15.9% | $2,778-48.3% | $4,139-65.3% |
| Admin fee / account holder | $500 | $2,946-83.0% | $4,260-88.3% | $7,234-93.1% |