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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 | $57,280 | $67,823-15.5% | $52,425+9.3% | $137,256-58.3% |
| Participation rate | 95.0% | 63.9%+31.1pp | 55.6%+39.4pp | 80.0%+15.0pp |
| Annual return | 11.70% | 219.11%-207.4pp | 302.12%-290.4pp | 220.34%-208.6pp |
| Employer contribution / active EE | $1,281 | $1,163+10.1% | $914+40.1% | $4,156-69.2% |
| Participant deferral / active EE | $3,951 | $2,288+72.7% | $1,790+120.6% | $6,407-38.3% |
| Admin fee / account holder | $2,233 | $2,844-21.5% | $2,495-10.5% | $12,270-81.8% |