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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 | $49,976-66.7% | $66,674-75.0% | $82,637-79.8% |
| Participation rate | 88.9% | 63.1%+25.8pp | 73.7%+15.2pp | 68.1%+20.8pp |
| Annual return | 67.81% | 39.09%+28.7pp | 321.24%-253.4pp | 53.51%+14.3pp |
| Employer contribution / active EE | $1,929 | $1,988-3.0% | $2,620-26.4% | $2,552-24.4% |
| Participant deferral / active EE | $3,578 | $2,847+25.7% | $4,084-12.4% | $4,126-13.3% |
| Admin fee / account holder | $3,630 | $4,594-21.0% | $5,098-28.8% | $7,339-50.5% |