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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 | $53,030 | $110,551-52.0% | $80,741-34.3% | $167,536-68.3% |
| Participation rate | 91.3% | 64.0%+27.3pp | 54.2%+37.1pp | 82.1%+9.2pp |
| Annual return | 18.30% | 120.57%-102.3pp | 87.30%-69.0pp | 478.82%-460.5pp |
| Employer contribution / active EE | $1,233 | $1,543-20.1% | $1,160+6.3% | $4,839-74.5% |
| Participant deferral / active EE | $2,996 | $2,870+4.4% | $2,145+39.7% | $6,342-52.8% |
| Admin fee / account holder | $364 | $4,547-92.0% | $3,380-89.2% | $12,315-97.0% |