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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 | $28,667 | $61,815-53.6% | $97,295-70.5% | $80,959-64.6% |
| Participation rate | 80.0% | 63.5%+16.5pp | 72.7%+7.3pp | 67.7%+12.3pp |
| Annual return | 10.94% | -558.73%+569.7pp | 75.62%-64.7pp | 35.67%-24.7pp |
| Employer contribution / active EE | $1,078 | $1,836-41.3% | $2,723-60.4% | $2,757-60.9% |
| Participant deferral / active EE | $1,298 | $3,027-57.1% | $4,264-69.6% | $4,300-69.8% |
| Admin fee / account holder | $512 | $5,166-90.1% | $5,646-90.9% | $6,925-92.6% |