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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 | $49,976-93.9% | $66,674-95.4% | $82,637-96.3% |
| Participation rate | 71.8% | 63.1%+8.7pp | 73.7%-1.9pp | 68.1%+3.7pp |
| Annual return | 22.94% | 39.09%-16.2pp | 321.24%-298.3pp | 53.51%-30.6pp |
| Employer contribution / active EE | $592 | $1,988-70.2% | $2,620-77.4% | $2,552-76.8% |
| Participant deferral / active EE | $950 | $2,847-66.6% | $4,084-76.7% | $4,126-77.0% |
| Admin fee / account holder | $490 | $4,594-89.3% | $5,098-90.4% | $7,339-93.3% |