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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 | $55,930-75.0% | $76,089-81.7% | $80,925-82.7% |
| Participation rate | 86.3% | 62.1%+24.3pp | 69.1%+17.2pp | 67.7%+18.7pp |
| Annual return | 13.20% | 20.58%-7.4pp | 360.94%-347.7pp | 35.65%-22.4pp |
| Employer contribution / active EE | $1,392 | $1,866-25.4% | $2,690-48.3% | $2,756-49.5% |
| Participant deferral / active EE | $4,010 | $3,051+31.5% | $4,259-5.8% | $4,299-6.7% |
| Admin fee / account holder | $2,926 | $5,241-44.2% | $6,418-54.4% | $6,940-57.8% |