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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 | $1,256 | $69,118-98.2% | $53,647-97.7% | $138,895-99.1% |
| Participation rate | 73.7% | 64.0%+9.7pp | 56.3%+17.4pp | 79.9%-6.2pp |
| Annual return | 18.67% | 248.26%-229.6pp | 358.33%-339.7pp | 145.39%-126.7pp |
| Employer contribution / active EE | $343 | $1,189-71.2% | $962-64.4% | $4,194-91.8% |
| Participant deferral / active EE | $366 | $2,274-83.9% | $1,813-79.8% | $6,396-94.3% |
| Admin fee / account holder | $410 | $2,724-84.9% | $2,460-83.3% | $12,562-96.7% |