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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 | $4,501 | $24,618-81.7% | $71,585-93.7% | $82,637-94.6% |
| Participation rate | 86.8% | 68.2%+18.6pp | 68.2%+18.6pp | 68.1%+18.7pp |
| Annual return | 26.87% | 93.17%-66.3pp | 59.26%-32.4pp | 53.51%-26.6pp |
| Employer contribution / active EE | $547 | $852-35.8% | $1,669-67.2% | $2,552-78.6% |
| Participant deferral / active EE | $1,740 | $1,720+1.1% | $2,923-40.5% | $4,126-57.8% |
| Admin fee / account holder | $344 | $3,285-89.5% | $4,712-92.7% | $7,339-95.3% |