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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 | $11,958 | $61,815-80.7% | $97,295-87.7% | $80,959-85.2% |
| Participation rate | 96.4% | 63.5%+32.9pp | 72.7%+23.7pp | 67.7%+28.7pp |
| Annual return | 11.73% | -558.73%+570.5pp | 75.62%-63.9pp | 35.67%-23.9pp |
| Employer contribution / active EE | $618 | $1,836-66.3% | $2,723-77.3% | $2,757-77.6% |
| Participant deferral / active EE | $1,803 | $3,027-40.4% | $4,264-57.7% | $4,300-58.1% |
| Admin fee / account holder | $927 | $5,166-82.0% | $5,646-83.6% | $6,925-86.6% |