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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 | $6,191 | $49,976-87.6% | $66,674-90.7% | $82,637-92.5% |
| Participation rate | 96.4% | 63.1%+33.3pp | 73.7%+22.7pp | 68.1%+28.3pp |
| Annual return | 25.07% | 39.09%-14.0pp | 321.24%-296.2pp | 53.51%-28.4pp |
| Employer contribution / active EE | $948 | $1,988-52.3% | $2,620-63.8% | $2,552-62.9% |
| Participant deferral / active EE | $1,882 | $2,847-33.9% | $4,084-53.9% | $4,126-54.4% |
| Admin fee / account holder | $1,406 | $4,594-69.4% | $5,098-72.4% | $7,339-80.8% |