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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 | $23,950 | $53,063-54.9% | $124,206-80.7% | $82,637-71.0% |
| Participation rate | 97.6% | 58.4%+39.2pp | 69.6%+28.0pp | 68.1%+29.5pp |
| Annual return | 19.68% | 68.87%-49.2pp | 515.27%-495.6pp | 53.51%-33.8pp |
| Employer contribution / active EE | $1,262 | $1,530-17.6% | $3,540-64.4% | $2,552-50.6% |
| Participant deferral / active EE | $3,977 | $2,644+50.4% | $3,968+0.2% | $4,126-3.6% |
| Admin fee / account holder | $1,290 | $4,281-69.9% | $5,929-78.2% | $7,339-82.4% |