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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 | $30,663 | $43,423-29.4% | $78,676-61.0% | $55,167-44.4% |
| Participation rate | 98.3% | 68.0%+30.3pp | 73.6%+24.7pp | 69.0%+29.3pp |
| Annual return | 7.41% | 11.53%-4.1pp | 62.19%-54.8pp | 169.23%-161.8pp |
| Employer contribution / active EE | $2,806 | $1,997+40.5% | $2,850-1.5% | $1,963+43.0% |
| Participant deferral / active EE | $950 | $2,509-62.1% | $3,517-73.0% | $3,054-68.9% |
| Admin fee / account holder | $306 | $416-26.5% | $4,510-93.2% | $504-39.3% |