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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 | $26,265 | $28,624-8.2% | $53,647-51.0% | $82,637-68.2% |
| Participation rate | 90.6% | 47.3%+43.3pp | 56.3%+34.3pp | 68.1%+22.5pp |
| Annual return | 18.83% | 664.98%-646.1pp | 358.33%-339.5pp | 53.51%-34.7pp |
| Employer contribution / active EE | $839 | $637+31.9% | $962-12.7% | $2,552-67.1% |
| Participant deferral / active EE | $1,833 | $1,196+53.3% | $1,813+1.1% | $4,126-55.6% |
| Admin fee / account holder | $732 | $2,022-63.8% | $2,460-70.3% | $7,339-90.0% |