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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 | $23,675 | $51,638-54.2% | $68,368-65.4% | $82,448-71.3% |
| Participation rate | 92.3% | 63.6%+28.7pp | 73.8%+18.6pp | 68.1%+24.2pp |
| Annual return | 21.57% | 37.53%-16.0pp | 292.57%-271.0pp | 41.64%-20.1pp |
| Employer contribution / active EE | $3,563 | $2,047+74.1% | $2,649+34.5% | $2,551+39.7% |
| Participant deferral / active EE | $8,130 | $2,914+179.0% | $4,123+97.2% | $4,139+96.4% |
| Admin fee / account holder | $4,418 | $4,643-4.9% | $5,150-14.2% | $7,234-38.9% |