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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 | $32,778 | $67,823-51.7% | $52,425-37.5% | $137,256-76.1% |
| Participation rate | 89.5% | 63.9%+25.6pp | 55.6%+33.9pp | 80.0%+9.5pp |
| Annual return | 16.20% | 219.11%-202.9pp | 302.12%-285.9pp | 220.34%-204.1pp |
| Employer contribution / active EE | $1,063 | $1,163-8.6% | $914+16.3% | $4,156-74.4% |
| Participant deferral / active EE | $2,030 | $2,288-11.3% | $1,790+13.4% | $6,407-68.3% |
| Admin fee / account holder | $640 | $2,844-77.5% | $2,495-74.3% | $12,270-94.8% |