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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 | $5,146 | $23,330-77.9% | $64,489-92.0% | $82,448-93.8% |
| Participation rate | 95.4% | 68.3%+27.1pp | 67.7%+27.7pp | 68.1%+27.3pp |
| Annual return | 21.90% | 83.66%-61.8pp | 55.03%-33.1pp | 41.64%-19.7pp |
| Employer contribution / active EE | $872 | $824+5.8% | $1,523-42.7% | $2,551-65.8% |
| Participant deferral / active EE | $1,678 | $1,707-1.7% | $2,778-39.6% | $4,139-59.5% |
| Admin fee / account holder | $839 | $2,946-71.5% | $4,260-80.3% | $7,234-88.4% |