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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 | $4,553 | $23,330-80.5% | $64,489-92.9% | $82,448-94.5% |
| Participation rate | 92.8% | 68.3%+24.5pp | 67.7%+25.1pp | 68.1%+24.7pp |
| Annual return | 15.45% | 83.66%-68.2pp | 55.03%-39.6pp | 41.64%-26.2pp |
| Employer contribution / active EE | $671 | $824-18.6% | $1,523-55.9% | $2,551-73.7% |
| Participant deferral / active EE | $1,398 | $1,707-18.1% | $2,778-49.7% | $4,139-66.2% |
| Admin fee / account holder | $855 | $2,946-71.0% | $4,260-79.9% | $7,234-88.2% |