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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 | $29,827 | $58,311-48.8% | $81,882-63.6% | $80,959-63.2% |
| Participation rate | 92.3% | 63.5%+28.8pp | 72.4%+19.9pp | 67.7%+24.6pp |
| Annual return | 13.32% | 41.85%-28.5pp | 779.47%-766.2pp | 35.67%-22.4pp |
| Employer contribution / active EE | $1,196 | $2,347-49.0% | $2,916-59.0% | $2,757-56.6% |
| Participant deferral / active EE | $5,708 | $3,287+73.6% | $4,323+32.0% | $4,300+32.7% |
| Admin fee / account holder | $2,539 | $4,752-46.6% | $7,360-65.5% | $6,925-63.3% |