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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 | $19,668 | $56,110-64.9% | $94,993-79.3% | $70,126-72.0% |
| Participation rate | 93.5% | 65.0%+28.6pp | 73.9%+19.7pp | 69.5%+24.0pp |
| Annual return | 104.59% | 51.02%+53.6pp | 27.14%+77.4pp | 73.15%+31.4pp |
| Employer contribution / active EE | $1,746 | $1,442+21.1% | $2,603-32.9% | $2,343-25.5% |
| Participant deferral / active EE | $1,913 | $2,391-20.0% | $3,317-42.3% | $3,332-42.6% |
| Admin fee / account holder | $892 | $3,456-74.2% | $4,960-82.0% | $4,645-80.8% |