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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 | $11,782 | $58,311-79.8% | $81,882-85.6% | $80,959-85.4% |
| Participation rate | 98.2% | 63.5%+34.7pp | 72.4%+25.8pp | 67.7%+30.5pp |
| Annual return | 18.71% | 41.85%-23.1pp | 779.47%-760.8pp | 35.67%-17.0pp |
| Employer contribution / active EE | $2,803 | $2,347+19.5% | $2,916-3.9% | $2,757+1.7% |
| Participant deferral / active EE | $2,171 | $3,287-34.0% | $4,323-49.8% | $4,300-49.5% |
| Admin fee / account holder | $1,209 | $4,752-74.6% | $7,360-83.6% | $6,925-82.5% |