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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 | $70,684-74.4% | $169,397-89.3% | $75,177-75.9% |
| Participation rate | 95.0% | 64.8%+30.2pp | 77.2%+17.8pp | 67.2%+27.8pp |
| Annual return | 20.88% | 36.38%-15.5pp | 406.23%-385.4pp | 160.75%-139.9pp |
| Employer contribution / active EE | $2,161 | $2,211-2.2% | $4,013-46.1% | $2,671-19.1% |
| Participant deferral / active EE | $4,116 | $4,310-4.5% | $6,223-33.9% | $4,126-0.3% |
| Admin fee / account holder | $3,689 | $5,404-31.7% | $9,017-59.1% | $5,651-34.7% |