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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 | $13,663 | $49,896-72.6% | $80,627-83.1% | $75,173-81.8% |
| Participation rate | 93.5% | 55.3%+38.2pp | 67.0%+26.5pp | 67.2%+26.3pp |
| Annual return | 18.86% | 34.67%-15.8pp | 936.76%-917.9pp | 160.72%-141.9pp |
| Employer contribution / active EE | $1,221 | $1,699-28.1% | $2,723-55.1% | $2,671-54.3% |
| Participant deferral / active EE | $3,029 | $2,992+1.2% | $4,443-31.8% | $4,126-26.6% |
| Admin fee / account holder | $630 | $3,578-82.4% | $5,381-88.3% | $5,651-88.8% |