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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 | $42,685 | $90,107-52.6% | $182,262-76.6% | $69,733-38.8% |
| Participation rate | 94.1% | 64.8%+29.2pp | 84.2%+9.9pp | 62.5%+31.6pp |
| Annual return | 17.86% | 95.58%-77.7pp | 140.60%-122.7pp | 15.22%+2.6pp |
| Employer contribution / active EE | $1,935 | $3,043-36.4% | $5,046-61.6% | $2,250-14.0% |
| Participant deferral / active EE | $2,367 | $5,135-53.9% | $8,276-71.4% | $3,054-22.5% |
| Admin fee / account holder | $12,192 | $3,377+261.0% | $16,712-27.0% | $3,102+293.0% |