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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 | $22,483 | $63,346-64.5% | $92,240-75.6% | $70,126-67.9% |
| Participation rate | 92.5% | 68.7%+23.8pp | 76.5%+16.0pp | 69.5%+23.0pp |
| Annual return | 16.65% | 530.19%-513.5pp | 176.29%-159.6pp | 73.15%-56.5pp |
| Employer contribution / active EE | $1,950 | $2,471-21.1% | $3,680-47.0% | $2,343-16.8% |
| Participant deferral / active EE | $3,077 | $2,854+7.8% | $3,897-21.0% | $3,332-7.7% |
| Admin fee / account holder | $2,862 | $3,841-25.5% | $5,194-44.9% | $4,645-38.4% |