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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 | $4,940 | $24,618-79.9% | $71,585-93.1% | $82,637-94.0% |
| Participation rate | 78.1% | 68.2%+9.9pp | 68.2%+9.9pp | 68.1%+10.0pp |
| Annual return | 14.21% | 93.17%-79.0pp | 59.26%-45.0pp | 53.51%-39.3pp |
| Employer contribution / active EE | $684 | $852-19.8% | $1,669-59.0% | $2,552-73.2% |
| Participant deferral / active EE | $1,245 | $1,720-27.6% | $2,923-57.4% | $4,126-69.8% |
| Admin fee / account holder | $629 | $3,285-80.9% | $4,712-86.7% | $7,339-91.4% |