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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 | $56,839 | $126,113-54.9% | $116,096-51.0% | $155,188-63.4% |
| Participation rate | 87.5% | 75.1%+12.4pp | 73.3%+14.2pp | 80.8%+6.7pp |
| Annual return | 18.46% | 391.72%-373.3pp | 326.25%-307.8pp | 148.84%-130.4pp |
| Employer contribution / active EE | $1,918 | $2,672-28.2% | $2,503-23.4% | $4,248-54.9% |
| Participant deferral / active EE | $10,598 | $4,162+154.6% | $3,952+168.2% | $6,531+62.3% |
| Admin fee / account holder | $912 | $8,045-88.7% | $7,704-88.2% | $14,480-93.7% |