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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 | $3,795 | $23,330-83.7% | $64,489-94.1% | $82,448-95.4% |
| Participation rate | 78.0% | 68.3%+9.8pp | 67.7%+10.4pp | 68.1%+10.0pp |
| Annual return | 23.14% | 83.66%-60.5pp | 55.03%-31.9pp | 41.64%-18.5pp |
| Employer contribution / active EE | $346 | $824-58.0% | $1,523-77.3% | $2,551-86.4% |
| Participant deferral / active EE | $1,450 | $1,707-15.1% | $2,778-47.8% | $4,139-65.0% |
| Admin fee / account holder | $1,013 | $2,946-65.6% | $4,260-76.2% | $7,234-86.0% |