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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 | $18,112 | $70,666-74.4% | $169,385-89.3% | $75,181-75.9% |
| Participation rate | 95.0% | 64.8%+30.2pp | 77.2%+17.8pp | 67.2%+27.8pp |
| Annual return | 20.88% | 36.37%-15.5pp | 405.82%-384.9pp | 160.69%-139.8pp |
| Employer contribution / active EE | $2,161 | $2,210-2.2% | $4,012-46.1% | $2,671-19.1% |
| Participant deferral / active EE | $4,116 | $4,308-4.5% | $6,221-33.8% | $4,126-0.2% |
| Admin fee / account holder | $3,689 | $5,402-31.7% | $9,011-59.1% | $5,650-34.7% |