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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 | $29,975 | $49,891-39.9% | $80,607-62.8% | $75,181-60.1% |
| Participation rate | 89.3% | 55.3%+34.0pp | 67.0%+22.3pp | 67.2%+22.1pp |
| Annual return | 14.90% | 34.67%-19.8pp | 936.11%-921.2pp | 160.69%-145.8pp |
| Employer contribution / active EE | $897 | $1,698-47.2% | $2,724-67.1% | $2,671-66.4% |
| Participant deferral / active EE | $3,151 | $2,991+5.3% | $4,448-29.1% | $4,126-23.6% |
| Admin fee / account holder | $6,269 | $3,578+75.2% | $5,379+16.5% | $5,650+11.0% |