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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 | $22,400 | $48,053-53.4% | $84,628-73.5% | $72,975-69.3% |
| Participation rate | 85.3% | 57.6%+27.7pp | 68.2%+17.1pp | 69.5%+15.8pp |
| Annual return | 23.69% | 37.39%-13.7pp | 258.80%-235.1pp | 81.01%-57.3pp |
| Employer contribution / active EE | $1,753 | $1,602+9.4% | $2,653-33.9% | $2,440-28.2% |
| Participant deferral / active EE | $3,098 | $2,681+15.6% | $3,900-20.6% | $3,608-14.1% |
| Admin fee / account holder | $1,729 | $3,395-49.1% | $4,914-64.8% | $5,124-66.3% |