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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 | $54,756 | $58,311-6.1% | $81,882-33.1% | $80,959-32.4% |
| Participation rate | 90.2% | 63.5%+26.8pp | 72.4%+17.9pp | 67.7%+22.6pp |
| Annual return | 12.61% | 41.85%-29.2pp | 779.47%-766.9pp | 35.67%-23.1pp |
| Employer contribution / active EE | $520 | $2,347-77.9% | $2,916-82.2% | $2,757-81.2% |
| Participant deferral / active EE | $4,310 | $3,287+31.1% | $4,323-0.3% | $4,300+0.2% |
| Admin fee / account holder | $700 | $4,752-85.3% | $7,360-90.5% | $6,925-89.9% |