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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 | $13,663 | $56,063-75.6% | $76,051-82.0% | $80,911-83.1% |
| Participation rate | 83.7% | 62.0%+21.6pp | 69.1%+14.6pp | 67.6%+16.0pp |
| Annual return | 16.50% | 20.54%-4.0pp | 360.42%-343.9pp | 35.63%-19.1pp |
| Employer contribution / active EE | $1,364 | $1,874-27.2% | $2,690-49.3% | $2,756-50.5% |
| Participant deferral / active EE | $3,205 | $3,052+5.0% | $4,257-24.7% | $4,297-25.4% |
| Admin fee / account holder | $1,884 | $5,240-64.0% | $6,416-70.6% | $6,935-72.8% |