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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 | $2,878 | $24,618-88.3% | $71,585-96.0% | $82,637-96.5% |
| Participation rate | 77.1% | 68.2%+9.0pp | 68.2%+9.0pp | 68.1%+9.1pp |
| Annual return | 15.59% | 93.17%-77.6pp | 59.26%-43.7pp | 53.51%-37.9pp |
| Employer contribution / active EE | $410 | $852-51.8% | $1,669-75.4% | $2,552-83.9% |
| Participant deferral / active EE | $1,808 | $1,720+5.1% | $2,923-38.2% | $4,126-56.2% |
| Admin fee / account holder | $1,063 | $3,285-67.7% | $4,712-77.4% | $7,339-85.5% |