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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 | $7,532 | $55,889-86.5% | $76,119-90.1% | $80,935-90.7% |
| Participation rate | 84.0% | 62.1%+21.9pp | 69.1%+14.9pp | 67.7%+16.3pp |
| Annual return | 19.44% | 20.58%-1.1pp | 361.25%-341.8pp | 35.66%-16.2pp |
| Employer contribution / active EE | $1,109 | $1,866-40.6% | $2,693-58.8% | $2,757-59.8% |
| Participant deferral / active EE | $2,345 | $3,051-23.2% | $4,259-45.0% | $4,299-45.5% |
| Admin fee / account holder | $2,361 | $5,241-54.9% | $6,421-63.2% | $6,924-65.9% |