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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 | $16,662 | $51,638-67.7% | $68,368-75.6% | $82,448-79.8% |
| Participation rate | 88.9% | 63.6%+25.3pp | 73.8%+15.1pp | 68.1%+20.8pp |
| Annual return | 67.81% | 37.53%+30.3pp | 292.57%-224.8pp | 41.64%+26.2pp |
| Employer contribution / active EE | $1,929 | $2,047-5.8% | $2,649-27.2% | $2,551-24.4% |
| Participant deferral / active EE | $3,578 | $2,914+22.8% | $4,123-13.2% | $4,139-13.6% |
| Admin fee / account holder | $3,630 | $4,643-21.8% | $5,150-29.5% | $7,234-49.8% |