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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 | $10,467 | $24,618-57.5% | $71,585-85.4% | $82,637-87.3% |
| Participation rate | 88.0% | 68.2%+19.8pp | 68.2%+19.8pp | 68.1%+19.9pp |
| Annual return | 20.53% | 93.17%-72.6pp | 59.26%-38.7pp | 53.51%-33.0pp |
| Employer contribution / active EE | $1,043 | $852+22.5% | $1,669-37.5% | $2,552-59.1% |
| Participant deferral / active EE | $2,707 | $1,720+57.4% | $2,923-7.4% | $4,126-34.4% |
| Admin fee / account holder | $1,213 | $3,285-63.1% | $4,712-74.3% | $7,339-83.5% |