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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 | $24,329 | $48,053-49.4% | $84,637-71.3% | $72,976-66.7% |
| Participation rate | 96.3% | 57.6%+38.7pp | 68.2%+28.1pp | 69.5%+26.8pp |
| Annual return | 22.93% | 37.39%-14.5pp | 258.82%-235.9pp | 81.02%-58.1pp |
| Employer contribution / active EE | $2,214 | $1,602+38.2% | $2,653-16.6% | $2,440-9.3% |
| Participant deferral / active EE | $3,892 | $2,681+45.2% | $3,900-0.2% | $3,608+7.9% |
| Admin fee / account holder | $728 | $3,395-78.5% | $4,914-85.2% | $5,124-85.8% |