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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 | $26,633 | $85,766-68.9% | $136,298-80.5% | $70,126-62.0% |
| Participation rate | 97.7% | 74.2%+23.6pp | 81.9%+15.8pp | 69.5%+28.2pp |
| Annual return | 18.26% | 31.46%-13.2pp | 5156.27%-5138.0pp | 73.15%-54.9pp |
| Employer contribution / active EE | $3,131 | $2,966+5.6% | $4,696-33.3% | $2,343+33.7% |
| Participant deferral / active EE | $4,626 | $5,051-8.4% | $6,247-26.0% | $3,332+38.8% |
| Admin fee / account holder | $1,709 | $5,421-68.5% | $9,244-81.5% | $4,645-63.2% |