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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 | $1,898 | $24,618-92.3% | $71,585-97.3% | $82,637-97.7% |
| Participation rate | 76.5% | 68.2%+8.3pp | 68.2%+8.3pp | 68.1%+8.4pp |
| Annual return | 23.26% | 93.17%-69.9pp | 59.26%-36.0pp | 53.51%-30.3pp |
| Employer contribution / active EE | $284 | $852-66.7% | $1,669-83.0% | $2,552-88.9% |
| Participant deferral / active EE | $1,986 | $1,720+15.4% | $2,923-32.1% | $4,126-51.9% |
| Admin fee / account holder | $444 | $3,285-86.5% | $4,712-90.6% | $7,339-93.9% |