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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 | $21,837 | $49,976-56.3% | $66,674-67.2% | $82,637-73.6% |
| Participation rate | 97.4% | 63.1%+34.3pp | 73.7%+23.7pp | 68.1%+29.3pp |
| Annual return | 16.50% | 39.09%-22.6pp | 321.24%-304.7pp | 53.51%-37.0pp |
| Employer contribution / active EE | $1,686 | $1,988-15.2% | $2,620-35.7% | $2,552-33.9% |
| Participant deferral / active EE | $3,739 | $2,847+31.3% | $4,084-8.5% | $4,126-9.4% |
| Admin fee / account holder | $354 | $4,594-92.3% | $5,098-93.1% | $7,339-95.2% |