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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 | $18,997 | $51,642-63.2% | $129,384-85.3% | $80,935-76.5% |
| Participation rate | 90.3% | 56.9%+33.4pp | 69.6%+20.7pp | 67.7%+22.7pp |
| Annual return | 12.08% | 20.78%-8.7pp | 9461.77%-9449.7pp | 35.66%-23.6pp |
| Employer contribution / active EE | $2,009 | $1,583+26.9% | $4,153-51.6% | $2,757-27.1% |
| Participant deferral / active EE | $1,795 | $2,670-32.7% | $4,166-56.9% | $4,299-58.2% |
| Admin fee / account holder | $979 | $4,312-77.3% | $7,686-87.3% | $6,924-85.9% |