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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 | $24,618-77.2% | $71,585-92.2% | $82,637-93.2% |
| Participation rate | 72.4% | 68.2%+4.3pp | 68.2%+4.3pp | 68.1%+4.4pp |
| Annual return | 23.43% | 93.17%-69.7pp | 59.26%-35.8pp | 53.51%-30.1pp |
| Employer contribution / active EE | $410 | $852-51.9% | $1,669-75.4% | $2,552-83.9% |
| Participant deferral / active EE | $1,701 | $1,720-1.2% | $2,923-41.8% | $4,126-58.8% |
| Admin fee / account holder | $1,107 | $3,285-66.3% | $4,712-76.5% | $7,339-84.9% |