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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 | $7,180 | $55,902-87.2% | $76,030-90.6% | $80,959-91.1% |
| Participation rate | 87.7% | 62.1%+25.7pp | 69.1%+18.7pp | 67.7%+20.1pp |
| Annual return | 20.34% | 20.59%-0.2pp | 361.54%-341.2pp | 35.67%-15.3pp |
| Employer contribution / active EE | $1,590 | $1,867-14.8% | $2,688-40.8% | $2,757-42.3% |
| Participant deferral / active EE | $2,329 | $3,051-23.7% | $4,257-45.3% | $4,300-45.8% |
| Admin fee / account holder | $966 | $5,239-81.6% | $6,421-85.0% | $6,925-86.1% |