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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 | $23,330-91.9% | $64,489-97.1% | $82,448-97.7% |
| Participation rate | 76.5% | 68.3%+8.2pp | 67.7%+8.8pp | 68.1%+8.4pp |
| Annual return | 23.26% | 83.66%-60.4pp | 55.03%-31.8pp | 41.64%-18.4pp |
| Employer contribution / active EE | $284 | $824-65.5% | $1,523-81.4% | $2,551-88.9% |
| Participant deferral / active EE | $1,986 | $1,707+16.3% | $2,778-28.5% | $4,139-52.0% |
| Admin fee / account holder | $444 | $2,946-84.9% | $4,260-89.6% | $7,234-93.9% |