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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 | $23,785 | $112,935-78.9% | $90,970-73.9% | $158,966-85.0% |
| Participation rate | 93.3% | 74.7%+18.6pp | 69.0%+24.3pp | 82.0%+11.4pp |
| Annual return | 8.45% | 215.79%-207.3pp | 134.58%-126.1pp | 302.95%-294.5pp |
| Employer contribution / active EE | $1,456 | $2,895-49.7% | $2,122-31.4% | $4,762-69.4% |
| Participant deferral / active EE | $3,234 | $4,129-21.7% | $3,373-4.1% | $5,983-46.0% |
| Admin fee / account holder | $486 | $8,045-94.0% | $5,960-91.8% | $11,250-95.7% |