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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 | $27,696 | $98,766-72.0% | $149,730-81.5% | $79,852-65.3% |
| Participation rate | 95.8% | 75.8%+20.1pp | 82.5%+13.4pp | 69.6%+26.2pp |
| Annual return | 20.90% | 27.43%-6.5pp | 276.70%-255.8pp | 31.72%-10.8pp |
| Employer contribution / active EE | $1,913 | $3,217-40.5% | $4,645-58.8% | $2,471-22.6% |
| Participant deferral / active EE | $4,546 | $5,681-20.0% | $6,843-33.6% | $3,740+21.5% |
| Admin fee / account holder | $922 | $6,052-84.8% | $9,310-90.1% | $5,306-82.6% |