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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 | $6,101 | $23,330-73.8% | $64,489-90.5% | $82,448-92.6% |
| Participation rate | 71.3% | 68.3%+3.0pp | 67.7%+3.6pp | 68.1%+3.2pp |
| Annual return | 20.49% | 83.66%-63.2pp | 55.03%-34.5pp | 41.64%-21.1pp |
| Employer contribution / active EE | $262 | $824-68.2% | $1,523-82.8% | $2,551-89.7% |
| Participant deferral / active EE | $1,706 | $1,707-0.1% | $2,778-38.6% | $4,139-58.8% |
| Admin fee / account holder | $1,055 | $2,946-64.2% | $4,260-75.2% | $7,234-85.4% |