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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 | $5,894 | $67,823-91.3% | $52,425-88.8% | $137,256-95.7% |
| Participation rate | 75.0% | 63.9%+11.1pp | 55.6%+19.4pp | 80.0%-5.0pp |
| Annual return | 12.95% | 219.11%-206.2pp | 302.12%-289.2pp | 220.34%-207.4pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $914-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $2,134 | $2,288-6.7% | $1,790+19.2% | $6,407-66.7% |
| Admin fee / account holder | $652 | $2,844-77.1% | $2,495-73.9% | $12,270-94.7% |