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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 | $45,854 | $125,190-63.4% | $105,624-56.6% | $145,897-68.6% |
| Participation rate | 95.7% | 77.6%+18.0pp | 75.3%+20.4pp | 80.3%+15.3pp |
| Annual return | 13.29% | 225.22%-211.9pp | 116.20%-102.9pp | 552.29%-539.0pp |
| Employer contribution / active EE | $1,015 | $3,720-72.7% | $3,168-68.0% | $4,663-78.2% |
| Participant deferral / active EE | $2,877 | $5,716-49.7% | $5,013-42.6% | $6,689-57.0% |
| Admin fee / account holder | $1,513 | $17,138-91.2% | $10,961-86.2% | $13,390-88.7% |