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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 | $4,007 | $23,330-82.8% | $64,489-93.8% | $82,448-95.1% |
| Participation rate | 88.2% | 68.3%+19.9pp | 67.7%+20.5pp | 68.1%+20.1pp |
| Annual return | 23.19% | 83.66%-60.5pp | 55.03%-31.8pp | 41.64%-18.4pp |
| Employer contribution / active EE | $485 | $824-41.1% | $1,523-68.1% | $2,551-81.0% |
| Participant deferral / active EE | $1,498 | $1,707-12.2% | $2,778-46.1% | $4,139-63.8% |
| Admin fee / account holder | $528 | $2,946-82.1% | $4,260-87.6% | $7,234-92.7% |