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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 | $39,228 | $39,028+0.5% | $80,741-51.4% | $85,847-54.3% |
| Participation rate | 91.2% | 41.6%+49.6pp | 54.2%+37.0pp | 69.3%+21.9pp |
| Annual return | 16.15% | 26.31%-10.2pp | 87.30%-71.1pp | 318.61%-302.5pp |
| Employer contribution / active EE | $1,020 | $722+41.2% | $1,160-12.1% | $2,565-60.3% |
| Participant deferral / active EE | $1,288 | $1,326-2.8% | $2,145-39.9% | $3,952-67.4% |
| Admin fee / account holder | $1,972 | $2,429-18.8% | $3,380-41.7% | $6,261-68.5% |