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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 | $54,852 | $48,364+13.4% | $71,796-23.6% | $62,881-12.8% |
| Participation rate | 95.4% | 60.6%+34.8pp | 69.1%+26.3pp | 69.3%+26.1pp |
| Annual return | 5.22% | 13.16%-7.9pp | 78.04%-72.8pp | 20.14%-14.9pp |
| Employer contribution / active EE | $1,705 | $1,042+63.6% | $1,924-11.4% | $2,281-25.3% |
| Participant deferral / active EE | $2,560 | $2,091+22.4% | $2,794-8.4% | $3,203-20.1% |
| Admin fee / account holder | $1,171 | $3,771-69.0% | $4,815-75.7% | $4,296-72.8% |