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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 | $5,611 | $23,330-76.0% | $64,489-91.3% | $82,448-93.2% |
| Participation rate | 72.4% | 68.3%+4.2pp | 67.7%+4.8pp | 68.1%+4.4pp |
| Annual return | 23.43% | 83.66%-60.2pp | 55.03%-31.6pp | 41.64%-18.2pp |
| Employer contribution / active EE | $410 | $824-50.3% | $1,523-73.1% | $2,551-83.9% |
| Participant deferral / active EE | $1,701 | $1,707-0.4% | $2,778-38.8% | $4,139-58.9% |
| Admin fee / account holder | $1,107 | $2,946-62.4% | $4,260-74.0% | $7,234-84.7% |