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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 | $26,272 | $65,566-59.9% | $86,235-69.5% | $75,177-65.1% |
| Participation rate | 92.2% | 60.5%+31.7pp | 69.0%+23.3pp | 67.2%+25.0pp |
| Annual return | 28.00% | 46.07%-18.1pp | 1170.03%-1142.0pp | 160.75%-132.8pp |
| Employer contribution / active EE | $1,976 | $1,553+27.2% | $2,381-17.0% | $2,671-26.0% |
| Participant deferral / active EE | $4,505 | $3,023+49.0% | $3,987+13.0% | $4,126+9.2% |
| Admin fee / account holder | $892 | $5,470-83.7% | $6,856-87.0% | $5,651-84.2% |