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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 | $14,033 | $55,930-74.9% | $76,089-81.6% | $80,925-82.7% |
| Participation rate | 84.8% | 62.1%+22.8pp | 69.1%+15.8pp | 67.7%+17.2pp |
| Annual return | 14.34% | 20.58%-6.2pp | 360.94%-346.6pp | 35.65%-21.3pp |
| Employer contribution / active EE | $1,232 | $1,866-34.0% | $2,690-54.2% | $2,756-55.3% |
| Participant deferral / active EE | $1,764 | $3,051-42.2% | $4,259-58.6% | $4,299-59.0% |
| Admin fee / account holder | $1,129 | $5,241-78.5% | $6,418-82.4% | $6,940-83.7% |