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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 | $25,240 | $48,284-47.7% | $67,524-62.6% | $80,911-68.8% |
| Participation rate | 87.9% | 66.4%+21.5pp | 72.9%+15.0pp | 67.6%+20.2pp |
| Annual return | 12.60% | 18.27%-5.7pp | 3519.41%-3506.8pp | 35.63%-23.0pp |
| Employer contribution / active EE | $1,069 | $2,021-47.1% | $2,734-60.9% | $2,756-61.2% |
| Participant deferral / active EE | $5,078 | $2,927+73.5% | $4,001+26.9% | $4,297+18.2% |
| Admin fee / account holder | $699 | $3,688-81.0% | $4,001-82.5% | $6,935-89.9% |