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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 | $24,927 | $95,383-73.9% | $185,837-86.6% | $85,856-71.0% |
| Participation rate | 97.6% | 68.8%+28.8pp | 81.7%+15.9pp | 69.3%+28.2pp |
| Annual return | 13.87% | 23.59%-9.7pp | 122.08%-108.2pp | 318.58%-304.7pp |
| Employer contribution / active EE | $2,106 | $3,313-36.4% | $5,168-59.2% | $2,565-17.9% |
| Participant deferral / active EE | $4,894 | $3,423+43.0% | $5,568-12.1% | $3,952+23.8% |
| Admin fee / account holder | $1,675 | $7,213-76.8% | $16,241-89.7% | $6,261-73.2% |