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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 | $26,346 | $101,063-73.9% | $81,473-67.7% | $147,586-82.1% |
| Participation rate | 88.9% | 74.5%+14.4pp | 68.0%+20.9pp | 82.8%+6.1pp |
| Annual return | 11.84% | 32.41%-20.6pp | 38.78%-26.9pp | 578.59%-566.8pp |
| Employer contribution / active EE | $940 | $3,206-70.7% | $2,568-63.4% | $4,876-80.7% |
| Participant deferral / active EE | $4,817 | $4,242+13.5% | $3,537+36.2% | $5,439-11.4% |
| Admin fee / account holder | $2,000 | $5,812-65.6% | $4,561-56.2% | $10,886-81.6% |