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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 | $13,962 | $55,902-75.0% | $76,030-81.6% | $80,959-82.8% |
| Participation rate | 86.3% | 62.1%+24.3pp | 69.1%+17.3pp | 67.7%+18.6pp |
| Annual return | 13.20% | 20.59%-7.4pp | 361.54%-348.3pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,392 | $1,867-25.4% | $2,688-48.2% | $2,757-49.5% |
| Participant deferral / active EE | $4,010 | $3,051+31.5% | $4,257-5.8% | $4,300-6.7% |
| Admin fee / account holder | $2,926 | $5,239-44.1% | $6,421-54.4% | $6,925-57.7% |