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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 | $9,885 | $67,823-85.4% | $52,425-81.1% | $137,256-92.8% |
| Participation rate | 75.0% | 63.9%+11.1pp | 55.6%+19.4pp | 80.0%-5.0pp |
| Annual return | 20.77% | 219.11%-198.3pp | 302.12%-281.4pp | 220.34%-199.6pp |
| Employer contribution / active EE | $1,300 | $1,163+11.8% | $914+42.2% | $4,156-68.7% |
| Participant deferral / active EE | $4,298 | $2,288+87.8% | $1,790+140.0% | $6,407-32.9% |
| Admin fee / account holder | $1,664 | $2,844-41.5% | $2,495-33.3% | $12,270-86.4% |