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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 | $7,309 | $51,638-85.8% | $68,368-89.3% | $82,448-91.1% |
| Participation rate | 93.0% | 63.6%+29.4pp | 73.8%+19.3pp | 68.1%+25.0pp |
| Annual return | 28.22% | 37.53%-9.3pp | 292.57%-264.4pp | 41.64%-13.4pp |
| Employer contribution / active EE | $1,587 | $2,047-22.4% | $2,649-40.1% | $2,551-37.8% |
| Participant deferral / active EE | $1,817 | $2,914-37.6% | $4,123-55.9% | $4,139-56.1% |
| Admin fee / account holder | $367 | $4,643-92.1% | $5,150-92.9% | $7,234-94.9% |