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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 | $17,617 | $49,896-64.7% | $80,627-78.1% | $75,173-76.6% |
| Participation rate | 96.2% | 55.3%+40.9pp | 67.0%+29.2pp | 67.2%+29.0pp |
| Annual return | 17.28% | 34.67%-17.4pp | 936.76%-919.5pp | 160.72%-143.4pp |
| Employer contribution / active EE | $1,234 | $1,699-27.3% | $2,723-54.7% | $2,671-53.8% |
| Participant deferral / active EE | $2,549 | $2,992-14.8% | $4,443-42.6% | $4,126-38.2% |
| Admin fee / account holder | $1,351 | $3,578-62.2% | $5,381-74.9% | $5,651-76.1% |