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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 | $13,798 | $39,036-64.7% | $80,784-82.9% | $85,851-83.9% |
| Participation rate | 98.3% | 41.6%+56.8pp | 54.2%+44.2pp | 69.3%+29.0pp |
| Annual return | 17.89% | 26.31%-8.4pp | 87.31%-69.4pp | 318.63%-300.7pp |
| Employer contribution / active EE | $2,501 | $722+246.2% | $1,160+115.5% | $2,565-2.5% |
| Participant deferral / active EE | $2,664 | $1,326+100.9% | $2,145+24.2% | $3,952-32.6% |
| Admin fee / account holder | $596 | $2,429-75.5% | $3,380-82.4% | $6,261-90.5% |