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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 | $11,756 | $29,736-60.5% | $56,033-79.0% | $80,935-85.5% |
| Participation rate | 93.3% | 41.7%+51.6pp | 52.5%+40.8pp | 67.7%+25.7pp |
| Annual return | 13.97% | 35.28%-21.3pp | 1711.38%-1697.4pp | 35.66%-21.7pp |
| Employer contribution / active EE | $998 | $671+48.7% | $1,041-4.1% | $2,757-63.8% |
| Participant deferral / active EE | $2,234 | $1,228+81.9% | $1,954+14.3% | $4,299-48.0% |
| Admin fee / account holder | $327 | $2,434-86.6% | $2,827-88.4% | $6,924-95.3% |