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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 | $6,946 | $51,638-86.5% | $68,368-89.8% | $82,448-91.6% |
| Participation rate | 89.7% | 63.6%+26.1pp | 73.8%+16.0pp | 68.1%+21.7pp |
| Annual return | 24.80% | 37.53%-12.7pp | 292.57%-267.8pp | 41.64%-16.8pp |
| Employer contribution / active EE | $1,370 | $2,047-33.0% | $2,649-48.3% | $2,551-46.3% |
| Participant deferral / active EE | $2,797 | $2,914-4.0% | $4,123-32.2% | $4,139-32.4% |
| Admin fee / account holder | $401 | $4,643-91.4% | $5,150-92.2% | $7,234-94.5% |