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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 | $5,524 | $23,330-76.3% | $64,489-91.4% | $82,448-93.3% |
| Participation rate | 83.0% | 68.3%+14.7pp | 67.7%+15.3pp | 68.1%+14.9pp |
| Annual return | 20.94% | 83.66%-62.7pp | 55.03%-34.1pp | 41.64%-20.7pp |
| Employer contribution / active EE | $562 | $824-31.9% | $1,523-63.1% | $2,551-78.0% |
| Participant deferral / active EE | $1,541 | $1,707-9.7% | $2,778-44.5% | $4,139-62.8% |
| Admin fee / account holder | $863 | $2,946-70.7% | $4,260-79.7% | $7,234-88.1% |