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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 | $22,699 | $111,830-79.7% | $93,696-75.8% | $145,884-84.4% |
| Participation rate | 95.5% | 74.2%+21.2pp | 68.7%+26.7pp | 80.3%+15.2pp |
| Annual return | 12.73% | 204.08%-191.3pp | 133.74%-121.0pp | 551.85%-539.1pp |
| Employer contribution / active EE | $1,147 | $3,093-62.9% | $2,422-52.6% | $4,662-75.4% |
| Participant deferral / active EE | $2,792 | $4,920-43.2% | $4,417-36.8% | $6,690-58.3% |
| Admin fee / account holder | $461 | $10,249-95.5% | $8,287-94.4% | $13,392-96.6% |