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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 | $22,053 | $55,930-60.6% | $76,089-71.0% | $80,925-72.7% |
| Participation rate | 98.5% | 62.1%+36.5pp | 69.1%+29.4pp | 67.7%+30.9pp |
| Annual return | 12.56% | 20.58%-8.0pp | 360.94%-348.4pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,479 | $1,866-20.8% | $2,690-45.0% | $2,756-46.3% |
| Participant deferral / active EE | $2,351 | $3,051-22.9% | $4,259-44.8% | $4,299-45.3% |
| Admin fee / account holder | $3,664 | $5,241-30.1% | $6,418-42.9% | $6,940-47.2% |