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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 | $2,262 | $22,602-90.0% | $65,566-96.6% | $75,173-97.0% |
| Participation rate | 74.5% | 63.1%+11.4pp | 64.9%+9.6pp | 67.2%+7.3pp |
| Annual return | 65.54% | 71.13%-5.6pp | 47.40%+18.1pp | 160.72%-95.2pp |
| Employer contribution / active EE | $579 | $941-38.5% | $1,692-65.8% | $2,671-78.3% |
| Participant deferral / active EE | $944 | $1,695-44.3% | $2,832-66.7% | $4,126-77.1% |
| Admin fee / account holder | $491 | $1,877-73.8% | $4,114-88.1% | $5,651-91.3% |