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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 | $56,115 | $61,125-8.2% | $94,057-40.3% | $87,485-35.9% |
| Participation rate | 84.4% | 64.1%+20.3pp | 73.3%+11.0pp | 68.9%+15.4pp |
| Annual return | 18.67% | 35.20%-16.5pp | 480.62%-462.0pp | 26.06%-7.4pp |
| Employer contribution / active EE | $1,198 | $2,136-43.9% | $2,933-59.2% | $2,596-53.9% |
| Participant deferral / active EE | $2,598 | $3,260-20.3% | $4,709-44.8% | $4,274-39.2% |
| Admin fee / account holder | $805 | $5,629-85.7% | $7,244-88.9% | $7,775-89.6% |