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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 | $3,056 | $51,638-94.1% | $68,368-95.5% | $82,448-96.3% |
| Participation rate | 71.8% | 63.6%+8.2pp | 73.8%-2.0pp | 68.1%+3.7pp |
| Annual return | 22.94% | 37.53%-14.6pp | 292.57%-269.6pp | 41.64%-18.7pp |
| Employer contribution / active EE | $592 | $2,047-71.1% | $2,649-77.7% | $2,551-76.8% |
| Participant deferral / active EE | $950 | $2,914-67.4% | $4,123-77.0% | $4,139-77.1% |
| Admin fee / account holder | $490 | $4,643-89.4% | $5,150-90.5% | $7,234-93.2% |