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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 | $29,170 | $67,823-57.0% | $52,425-44.4% | $137,256-78.7% |
| Participation rate | 91.3% | 63.9%+27.4pp | 55.6%+35.7pp | 80.0%+11.3pp |
| Annual return | 11.18% | 219.11%-207.9pp | 302.12%-290.9pp | 220.34%-209.2pp |
| Employer contribution / active EE | $1,245 | $1,163+7.0% | $914+36.2% | $4,156-70.0% |
| Participant deferral / active EE | $2,756 | $2,288+20.4% | $1,790+53.9% | $6,407-57.0% |
| Admin fee / account holder | $4,140 | $2,844+45.6% | $2,495+65.9% | $12,270-66.3% |