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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 | $2,382 | $24,618-90.3% | $71,585-96.7% | $82,637-97.1% |
| Participation rate | 88.7% | 68.2%+20.5pp | 68.2%+20.5pp | 68.1%+20.6pp |
| Annual return | 20.51% | 93.17%-72.7pp | 59.26%-38.8pp | 53.51%-33.0pp |
| Employer contribution / active EE | $517 | $852-39.3% | $1,669-69.0% | $2,552-79.7% |
| Participant deferral / active EE | $1,229 | $1,720-28.6% | $2,923-58.0% | $4,126-70.2% |
| Admin fee / account holder | $393 | $3,285-88.0% | $4,712-91.7% | $7,339-94.6% |