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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 | $29,207 | $98,240-70.3% | $82,312-64.5% | $147,586-80.2% |
| Participation rate | 91.7% | 79.7%+11.9pp | 76.9%+14.8pp | 82.8%+8.8pp |
| Annual return | 18.81% | 30.85%-12.0pp | 25.88%-7.1pp | 578.59%-559.8pp |
| Employer contribution / active EE | $1,074 | $3,192-66.3% | $2,428-55.8% | $4,876-78.0% |
| Participant deferral / active EE | $3,842 | $4,383-12.3% | $3,706+3.7% | $5,439-29.4% |
| Admin fee / account holder | $524 | $8,563-93.9% | $5,608-90.7% | $10,886-95.2% |