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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 | $9,847 | $100,073-90.2% | $85,126-88.4% | $145,877-93.3% |
| Participation rate | 93.8% | 74.1%+19.6pp | 67.5%+26.2pp | 80.3%+13.4pp |
| Annual return | 12.02% | 84.11%-72.1pp | 66.63%-54.6pp | 551.28%-539.3pp |
| Employer contribution / active EE | $466 | $3,236-85.6% | $2,731-82.9% | $4,663-90.0% |
| Participant deferral / active EE | $1,264 | $5,294-76.1% | $4,523-72.1% | $6,691-81.1% |
| Admin fee / account holder | $960 | $7,261-86.8% | $6,160-84.4% | $13,402-92.8% |