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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 | $33,958 | $110,551-69.3% | $80,741-57.9% | $167,536-79.7% |
| Participation rate | 80.0% | 64.0%+16.0pp | 54.2%+25.8pp | 82.1%-2.1pp |
| Annual return | 8.56% | 120.57%-112.0pp | 87.30%-78.7pp | 478.82%-470.3pp |
| Employer contribution / active EE | $1,091 | $1,543-29.3% | $1,160-6.0% | $4,839-77.5% |
| Participant deferral / active EE | $1,140 | $2,870-60.3% | $2,145-46.9% | $6,342-82.0% |
| Admin fee / account holder | $1,041 | $4,547-77.1% | $3,380-69.2% | $12,315-91.5% |