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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 | $9,178 | $58,258-84.2% | $81,820-88.8% | $80,925-88.7% |
| Participation rate | 94.7% | 63.5%+31.3pp | 72.4%+22.4pp | 67.7%+27.1pp |
| Annual return | 13.13% | 41.76%-28.6pp | 777.93%-764.8pp | 35.65%-22.5pp |
| Employer contribution / active EE | $1,800 | $2,345-23.2% | $2,915-38.2% | $2,756-34.7% |
| Participant deferral / active EE | $3,258 | $3,284-0.8% | $4,323-24.6% | $4,299-24.2% |
| Admin fee / account holder | $989 | $4,976-80.1% | $7,391-86.6% | $6,940-85.8% |