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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 | $28,872 | $58,311-50.5% | $81,882-64.7% | $80,959-64.3% |
| Participation rate | 97.4% | 63.5%+34.0pp | 72.4%+25.0pp | 67.7%+29.8pp |
| Annual return | 11.18% | 41.85%-30.7pp | 779.47%-768.3pp | 35.67%-24.5pp |
| Employer contribution / active EE | $1,800 | $2,347-23.3% | $2,916-38.3% | $2,757-34.7% |
| Participant deferral / active EE | $3,326 | $3,287+1.2% | $4,323-23.1% | $4,300-22.7% |
| Admin fee / account holder | $1,020 | $4,752-78.5% | $7,360-86.1% | $6,925-85.3% |