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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 | $3,597 | $23,330-84.6% | $64,489-94.4% | $82,448-95.6% |
| Participation rate | 79.8% | 68.3%+11.5pp | 67.7%+12.1pp | 68.1%+11.7pp |
| Annual return | 17.40% | 83.66%-66.3pp | 55.03%-37.6pp | 41.64%-24.2pp |
| Employer contribution / active EE | $325 | $824-60.6% | $1,523-78.7% | $2,551-87.3% |
| Participant deferral / active EE | $1,310 | $1,707-23.3% | $2,778-52.9% | $4,139-68.4% |
| Admin fee / account holder | $1,771 | $2,946-39.9% | $4,260-58.4% | $7,234-75.5% |