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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 | $20,512 | $58,311-64.8% | $81,882-74.9% | $80,959-74.7% |
| Participation rate | 97.1% | 63.5%+33.7pp | 72.4%+24.8pp | 67.7%+29.5pp |
| Annual return | 17.19% | 41.85%-24.7pp | 779.47%-762.3pp | 35.67%-18.5pp |
| Employer contribution / active EE | $2,593 | $2,347+10.5% | $2,916-11.1% | $2,757-6.0% |
| Participant deferral / active EE | $7,182 | $3,287+118.5% | $4,323+66.1% | $4,300+67.0% |
| Admin fee / account holder | $580 | $4,752-87.8% | $7,360-92.1% | $6,925-91.6% |