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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 | $17,060 | $41,150-58.5% | $80,627-78.8% | $71,511-76.1% |
| Participation rate | 94.3% | 50.3%+44.0pp | 67.0%+27.3pp | 67.9%+26.4pp |
| Annual return | 21.40% | 38.48%-17.1pp | 936.76%-915.4pp | 28.86%-7.5pp |
| Employer contribution / active EE | $2,928 | $1,515+93.2% | $2,723+7.5% | $2,589+13.1% |
| Participant deferral / active EE | $5,234 | $2,701+93.8% | $4,443+17.8% | $4,291+22.0% |
| Admin fee / account holder | $629 | $1,841-65.8% | $5,381-88.3% | $1,588-60.4% |