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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 | $4,475 | $23,330-80.8% | $64,489-93.1% | $82,448-94.6% |
| Participation rate | 95.6% | 68.3%+27.3pp | 67.7%+27.9pp | 68.1%+27.5pp |
| Annual return | 18.52% | 83.66%-65.1pp | 55.03%-36.5pp | 41.64%-23.1pp |
| Employer contribution / active EE | $911 | $824+10.5% | $1,523-40.2% | $2,551-64.3% |
| Participant deferral / active EE | $1,372 | $1,707-19.6% | $2,778-50.6% | $4,139-66.8% |
| Admin fee / account holder | $964 | $2,946-67.3% | $4,260-77.4% | $7,234-86.7% |