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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 | $9,938 | $23,330-57.4% | $64,489-84.6% | $82,448-87.9% |
| Participation rate | 82.8% | 68.3%+14.5pp | 67.7%+15.1pp | 68.1%+14.7pp |
| Annual return | 39.60% | 83.66%-44.1pp | 55.03%-15.4pp | 41.64%-2.0pp |
| Employer contribution / active EE | $2,389 | $824+189.8% | $1,523+56.9% | $2,551-6.4% |
| Participant deferral / active EE | $4,004 | $1,707+134.5% | $2,778+44.1% | $4,139-3.3% |
| Admin fee / account holder | $1,251 | $2,946-57.5% | $4,260-70.6% | $7,234-82.7% |