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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 | $38,108 | $105,200-63.8% | $159,474-76.1% | $85,847-55.6% |
| Participation rate | 93.1% | 75.8%+17.3pp | 82.8%+10.3pp | 69.3%+23.8pp |
| Annual return | 19.88% | 45.08%-25.2pp | 263.68%-243.8pp | 318.61%-298.7pp |
| Employer contribution / active EE | $1,578 | $3,319-52.4% | $4,831-67.3% | $2,565-38.5% |
| Participant deferral / active EE | $4,316 | $5,946-27.4% | $7,353-41.3% | $3,952+9.2% |
| Admin fee / account holder | $318 | $6,934-95.4% | $10,802-97.1% | $6,261-94.9% |