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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 | $35,085 | $75,962-53.8% | $154,108-77.2% | $64,173-45.3% |
| Participation rate | 97.1% | 70.4%+26.7pp | 83.0%+14.1pp | 69.6%+27.6pp |
| Annual return | 1.92% | 30.32%-28.4pp | 735.21%-733.3pp | 7.63%-5.7pp |
| Employer contribution / active EE | $1,014 | $3,350-69.7% | $5,298-80.9% | $2,381-57.4% |
| Participant deferral / active EE | $4,158 | $3,175+31.0% | $5,081-18.2% | $3,470+19.8% |
| Admin fee / account holder | $1,147 | $5,589-79.5% | $13,411-91.4% | $4,887-76.5% |