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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 | $16,152 | $47,105-65.7% | $68,368-76.4% | $67,986-76.2% |
| Participation rate | 97.0% | 51.8%+45.2pp | 73.8%+23.3pp | 57.2%+39.8pp |
| Annual return | 18.89% | 48.37%-29.5pp | 292.57%-273.7pp | 31.67%-12.8pp |
| Employer contribution / active EE | $1,759 | $1,859-5.3% | $2,649-33.6% | $2,019-12.8% |
| Participant deferral / active EE | $2,737 | $2,374+15.3% | $4,123-33.6% | $3,358-18.5% |
| Admin fee / account holder | $2,035 | $2,435-16.4% | $5,150-60.5% | $3,203-36.5% |