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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 | $45,255 | $29,319+54.4% | $52,425-13.7% | $82,448-45.1% |
| Participation rate | 97.2% | 46.9%+50.4pp | 55.6%+41.6pp | 68.1%+29.2pp |
| Annual return | 15.50% | 535.20%-519.7pp | 302.12%-286.6pp | 41.64%-26.1pp |
| Employer contribution / active EE | $1,028 | $586+75.4% | $914+12.5% | $2,551-59.7% |
| Participant deferral / active EE | $2,069 | $1,171+76.6% | $1,790+15.5% | $4,139-50.0% |
| Admin fee / account holder | $497 | $1,962-74.7% | $2,495-80.1% | $7,234-93.1% |