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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 | $18,550 | $91,198-79.7% | $178,503-89.6% | $79,856-76.8% |
| Participation rate | 87.1% | 69.2%+17.9pp | 81.9%+5.2pp | 69.6%+17.5pp |
| Annual return | 16.27% | 24.20%-7.9pp | 151.12%-134.8pp | 31.71%-15.4pp |
| Employer contribution / active EE | $1,215 | $3,257-62.7% | $5,011-75.8% | $2,471-50.9% |
| Participant deferral / active EE | $3,771 | $3,237+16.5% | $5,202-27.5% | $3,741+0.8% |
| Admin fee / account holder | $1,088 | $6,748-83.9% | $13,987-92.2% | $5,306-79.5% |