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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 | $23,749 | $63,346-62.5% | $92,240-74.3% | $70,126-66.1% |
| Participation rate | 88.9% | 68.7%+20.2pp | 76.5%+12.4pp | 69.5%+19.3pp |
| Annual return | 25.33% | 530.19%-504.9pp | 176.29%-151.0pp | 73.15%-47.8pp |
| Employer contribution / active EE | $2,954 | $2,471+19.5% | $3,680-19.7% | $2,343+26.1% |
| Participant deferral / active EE | $5,065 | $2,854+77.5% | $3,897+30.0% | $3,332+52.0% |
| Admin fee / account holder | $679 | $3,841-82.3% | $5,194-86.9% | $4,645-85.4% |