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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 | $56,431-57.6% | $130,788-81.7% | $87,485-72.6% |
| Participation rate | 97.6% | 58.9%+38.6pp | 70.1%+27.5pp | 68.9%+28.6pp |
| Annual return | 19.68% | 91.27%-71.6pp | 386.44%-366.8pp | 26.06%-6.4pp |
| Employer contribution / active EE | $1,262 | $1,549-18.6% | $3,558-64.5% | $2,596-51.4% |
| Participant deferral / active EE | $3,977 | $2,749+44.7% | $4,137-3.9% | $4,274-6.9% |
| Admin fee / account holder | $1,290 | $4,433-70.9% | $6,673-80.7% | $7,775-83.4% |