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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 | $27,528 | $111,535-75.3% | $105,223-73.8% | $137,256-79.9% |
| Participation rate | 87.5% | 78.1%+9.4pp | 75.0%+12.5pp | 80.0%+7.5pp |
| Annual return | 16.25% | 237.85%-221.6pp | 180.65%-164.4pp | 220.34%-204.1pp |
| Employer contribution / active EE | $1,805 | $3,939-54.2% | $3,689-51.1% | $4,156-56.6% |
| Participant deferral / active EE | $3,050 | $5,500-44.5% | $5,072-39.9% | $6,407-52.4% |
| Admin fee / account holder | $724 | $9,721-92.5% | $8,859-91.8% | $12,270-94.1% |