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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 | $6,489 | $69,118-90.6% | $53,647-87.9% | $138,895-95.3% |
| Participation rate | 87.5% | 64.0%+23.5pp | 56.3%+31.2pp | 79.9%+7.6pp |
| Annual return | 23.88% | 248.26%-224.4pp | 358.33%-334.5pp | 145.39%-121.5pp |
| Employer contribution / active EE | $0 | $1,189-100.0% | $962-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $2,780 | $2,274+22.3% | $1,813+53.3% | $6,396-56.5% |
| Admin fee / account holder | $1,392 | $2,724-48.9% | $2,460-43.4% | $12,562-88.9% |