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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 | $10,099 | $58,234-82.7% | $81,783-87.7% | $80,874-87.5% |
| Participation rate | 88.7% | 63.4%+25.3pp | 72.4%+16.4pp | 67.6%+21.1pp |
| Annual return | 11.82% | 41.70%-29.9pp | 775.05%-763.2pp | 35.62%-23.8pp |
| Employer contribution / active EE | $783 | $2,341-66.6% | $2,913-73.1% | $2,756-71.6% |
| Participant deferral / active EE | $2,512 | $3,283-23.5% | $4,320-41.9% | $4,297-41.5% |
| Admin fee / account holder | $1,186 | $4,982-76.2% | $7,380-83.9% | $6,935-82.9% |