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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 | $20,686 | $85,024-75.7% | $70,544-70.7% | $139,466-85.2% |
| Participation rate | 82.6% | 73.9%+8.7pp | 68.4%+14.3pp | 80.3%+2.3pp |
| Annual return | 77.18% | 30.39%+46.8pp | 32.79%+44.4pp | 373.66%-296.5pp |
| Employer contribution / active EE | $1,405 | $3,912-64.1% | $2,976-52.8% | $4,754-70.5% |
| Participant deferral / active EE | $3,380 | $5,891-42.6% | $4,568-26.0% | $6,712-49.6% |
| Admin fee / account holder | $748 | $8,928-91.6% | $6,427-88.4% | $11,409-93.4% |