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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 | $14,137 | $100,073-85.9% | $85,126-83.4% | $145,877-90.3% |
| Participation rate | 73.3% | 74.1%-0.8pp | 67.5%+5.8pp | 80.3%-7.0pp |
| Annual return | 21.23% | 84.11%-62.9pp | 66.63%-45.4pp | 551.28%-530.1pp |
| Employer contribution / active EE | $0 | $3,236-100.0% | $2,731-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $6,405 | $5,294+21.0% | $4,523+41.6% | $6,691-4.3% |
| Admin fee / account holder | $1,021 | $7,261-85.9% | $6,160-83.4% | $13,402-92.4% |