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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 | $14,904 | $39,028-61.8% | $80,741-81.5% | $85,847-82.6% |
| Participation rate | 90.2% | 41.6%+48.6pp | 54.2%+36.0pp | 69.3%+20.8pp |
| Annual return | 11.76% | 26.31%-14.6pp | 87.30%-75.5pp | 318.61%-306.9pp |
| Employer contribution / active EE | $3,129 | $722+333.2% | $1,160+169.7% | $2,565+22.0% |
| Participant deferral / active EE | $1,419 | $1,326+7.0% | $2,145-33.9% | $3,952-64.1% |
| Admin fee / account holder | $426 | $2,429-82.5% | $3,380-87.4% | $6,261-93.2% |