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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 | $28,136 | $29,716-5.3% | $56,077-49.8% | $80,925-65.2% |
| Participation rate | 74.5% | 41.7%+32.8pp | 52.5%+22.0pp | 67.7%+6.8pp |
| Annual return | 11.22% | 35.30%-24.1pp | 1709.28%-1698.1pp | 35.65%-24.4pp |
| Employer contribution / active EE | $1,934 | $671+188.2% | $1,040+85.9% | $2,756-29.8% |
| Participant deferral / active EE | $3,297 | $1,228+168.3% | $1,954+68.7% | $4,299-23.3% |
| Admin fee / account holder | $981 | $2,432-59.7% | $2,825-65.3% | $6,940-85.9% |