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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 | $22,091 | $93,346-76.3% | $71,796-69.2% | $273,972-91.9% |
| Participation rate | 95.0% | 76.5%+18.5pp | 69.1%+25.9pp | 83.0%+12.0pp |
| Annual return | 4.17% | 130.39%-126.2pp | 78.04%-73.9pp | 41.46%-37.3pp |
| Employer contribution / active EE | $1,180 | $2,733-56.8% | $1,924-38.7% | $4,869-75.8% |
| Participant deferral / active EE | $2,291 | $3,475-34.1% | $2,794-18.0% | $5,287-56.7% |
| Admin fee / account holder | $660 | $6,571-90.0% | $4,815-86.3% | $10,133-93.5% |