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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 | $15,644 | $95,406-83.6% | $185,849-91.6% | $85,847-81.8% |
| Participation rate | 96.3% | 68.8%+27.5pp | 81.7%+14.6pp | 69.3%+27.0pp |
| Annual return | 14.93% | 23.59%-8.7pp | 122.10%-107.2pp | 318.61%-303.7pp |
| Employer contribution / active EE | $2,362 | $3,314-28.7% | $5,169-54.3% | $2,565-7.9% |
| Participant deferral / active EE | $3,560 | $3,424+4.0% | $5,569-36.1% | $3,952-9.9% |
| Admin fee / account holder | $602 | $7,214-91.7% | $16,244-96.3% | $6,261-90.4% |