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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 | $43,867 | $65,566-33.1% | $86,235-49.1% | $75,177-41.6% |
| Participation rate | 90.2% | 60.5%+29.7pp | 69.0%+21.2pp | 67.2%+23.0pp |
| Annual return | 16.06% | 46.07%-30.0pp | 1170.03%-1154.0pp | 160.75%-144.7pp |
| Employer contribution / active EE | $449 | $1,553-71.1% | $2,381-81.1% | $2,671-83.2% |
| Participant deferral / active EE | $4,773 | $3,023+57.9% | $3,987+19.7% | $4,126+15.7% |
| Admin fee / account holder | $3,243 | $5,470-40.7% | $6,856-52.7% | $5,651-42.6% |