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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 | $8,584 | $100,073-91.4% | $85,126-89.9% | $145,877-94.1% |
| Participation rate | 85.7% | 74.1%+11.6pp | 67.5%+18.2pp | 80.3%+5.4pp |
| Annual return | 8.62% | 84.11%-75.5pp | 66.63%-58.0pp | 551.28%-542.7pp |
| Employer contribution / active EE | $0 | $3,236-100.0% | $2,731-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $3,718 | $5,294-29.8% | $4,523-17.8% | $6,691-44.4% |
| Admin fee / account holder | $1,277 | $7,261-82.4% | $6,160-79.3% | $13,402-90.5% |