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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 | $12,203 | $51,638-76.4% | $68,368-82.2% | $82,448-85.2% |
| Participation rate | 96.4% | 63.6%+32.8pp | 73.8%+22.7pp | 68.1%+28.4pp |
| Annual return | 25.60% | 37.53%-11.9pp | 292.57%-267.0pp | 41.64%-16.0pp |
| Employer contribution / active EE | $1,077 | $2,047-47.4% | $2,649-59.3% | $2,551-57.8% |
| Participant deferral / active EE | $1,825 | $2,914-37.4% | $4,123-55.7% | $4,139-55.9% |
| Admin fee / account holder | $616 | $4,643-86.7% | $5,150-88.0% | $7,234-91.5% |