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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 | $5,093 | $23,330-78.2% | $64,489-92.1% | $82,448-93.8% |
| Participation rate | 82.9% | 68.3%+14.6pp | 67.7%+15.2pp | 68.1%+14.8pp |
| Annual return | 20.07% | 83.66%-63.6pp | 55.03%-35.0pp | 41.64%-21.6pp |
| Employer contribution / active EE | $426 | $824-48.3% | $1,523-72.0% | $2,551-83.3% |
| Participant deferral / active EE | $926 | $1,707-45.8% | $2,778-66.7% | $4,139-77.6% |
| Admin fee / account holder | $597 | $2,946-79.7% | $4,260-86.0% | $7,234-91.8% |