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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 | $28,101 | $63,346-55.6% | $92,240-69.5% | $70,126-59.9% |
| Participation rate | 94.1% | 68.7%+25.4pp | 76.5%+17.6pp | 69.5%+24.6pp |
| Annual return | 25.59% | 530.19%-504.6pp | 176.29%-150.7pp | 73.15%-47.6pp |
| Employer contribution / active EE | $3,005 | $2,471+21.6% | $3,680-18.3% | $2,343+28.3% |
| Participant deferral / active EE | $5,976 | $2,854+109.4% | $3,897+53.3% | $3,332+79.4% |
| Admin fee / account holder | $868 | $3,841-77.4% | $5,194-83.3% | $4,645-81.3% |