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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 | $22,601 | $66,431-66.0% | $109,916-79.4% | $85,851-73.7% |
| Participation rate | 94.3% | 63.9%+30.5pp | 74.2%+20.1pp | 69.3%+25.0pp |
| Annual return | 16.80% | 19.59%-2.8pp | 29.46%-12.7pp | 318.63%-301.8pp |
| Employer contribution / active EE | $1,879 | $1,688+11.3% | $2,844-33.9% | $2,565-26.7% |
| Participant deferral / active EE | $5,722 | $2,844+101.2% | $4,047+41.4% | $3,952+44.8% |
| Admin fee / account holder | $462 | $4,559-89.9% | $6,069-92.4% | $6,261-92.6% |