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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 | $11,942 | $55,930-78.6% | $76,089-84.3% | $80,925-85.2% |
| Participation rate | 94.0% | 62.1%+32.0pp | 69.1%+24.9pp | 67.7%+26.4pp |
| Annual return | 13.83% | 20.58%-6.7pp | 360.94%-347.1pp | 35.65%-21.8pp |
| Employer contribution / active EE | $1,777 | $1,866-4.8% | $2,690-33.9% | $2,756-35.5% |
| Participant deferral / active EE | $2,225 | $3,051-27.1% | $4,259-47.8% | $4,299-48.2% |
| Admin fee / account holder | $1,126 | $5,241-78.5% | $6,418-82.5% | $6,940-83.8% |