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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 | $21,837 | $51,638-57.7% | $68,368-68.1% | $82,448-73.5% |
| Participation rate | 97.4% | 63.6%+33.8pp | 73.8%+23.6pp | 68.1%+29.3pp |
| Annual return | 16.50% | 37.53%-21.0pp | 292.57%-276.1pp | 41.64%-25.1pp |
| Employer contribution / active EE | $1,686 | $2,047-17.6% | $2,649-36.4% | $2,551-33.9% |
| Participant deferral / active EE | $3,739 | $2,914+28.3% | $4,123-9.3% | $4,139-9.7% |
| Admin fee / account holder | $354 | $4,643-92.4% | $5,150-93.1% | $7,234-95.1% |