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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 | $52,025 | $112,099-53.6% | $95,954-45.8% | $158,931-67.3% |
| Participation rate | 95.2% | 79.0%+16.3pp | 77.1%+18.2pp | 82.0%+13.3pp |
| Annual return | 26.99% | 171.12%-144.1pp | 91.62%-64.6pp | 302.86%-275.9pp |
| Employer contribution / active EE | $1,646 | $3,198-48.5% | $2,541-35.2% | $4,761-65.4% |
| Participant deferral / active EE | $4,747 | $4,784-0.8% | $4,167+13.9% | $5,982-20.7% |
| Admin fee / account holder | $516 | $10,132-94.9% | $6,796-92.4% | $11,247-95.4% |