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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 | $16,665 | $58,311-71.4% | $81,882-79.6% | $80,959-79.4% |
| Participation rate | 96.3% | 63.5%+32.8pp | 72.4%+23.9pp | 67.7%+28.6pp |
| Annual return | 24.42% | 41.85%-17.4pp | 779.47%-755.1pp | 35.67%-11.2pp |
| Employer contribution / active EE | $1,262 | $2,347-46.2% | $2,916-56.7% | $2,757-54.2% |
| Participant deferral / active EE | $2,258 | $3,287-31.3% | $4,323-47.8% | $4,300-47.5% |
| Admin fee / account holder | $471 | $4,752-90.1% | $7,360-93.6% | $6,925-93.2% |