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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 | $3,505 | $23,330-85.0% | $64,489-94.6% | $82,448-95.7% |
| Participation rate | 82.5% | 68.3%+14.2pp | 67.7%+14.8pp | 68.1%+14.4pp |
| Annual return | 18.22% | 83.66%-65.4pp | 55.03%-36.8pp | 41.64%-23.4pp |
| Employer contribution / active EE | $458 | $824-44.4% | $1,523-69.9% | $2,551-82.0% |
| Participant deferral / active EE | $1,175 | $1,707-31.2% | $2,778-57.7% | $4,139-71.6% |
| Admin fee / account holder | $733 | $2,946-75.1% | $4,260-82.8% | $7,234-89.9% |