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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 | $10,832 | $58,275-81.4% | $81,844-86.8% | $80,935-86.6% |
| Participation rate | 97.2% | 63.5%+33.8pp | 72.4%+24.8pp | 67.7%+29.6pp |
| Annual return | 11.56% | 41.82%-30.3pp | 778.87%-767.3pp | 35.66%-24.1pp |
| Employer contribution / active EE | $714 | $2,346-69.5% | $2,916-75.5% | $2,757-74.1% |
| Participant deferral / active EE | $2,894 | $3,285-11.9% | $4,323-33.1% | $4,299-32.7% |
| Admin fee / account holder | $1,561 | $4,749-67.1% | $7,355-78.8% | $6,924-77.5% |