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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 | $12,581 | $67,823-81.5% | $52,425-76.0% | $137,256-90.8% |
| Participation rate | 81.3% | 63.9%+17.3pp | 55.6%+25.6pp | 80.0%+1.3pp |
| Annual return | 18.77% | 219.11%-200.3pp | 302.12%-283.4pp | 220.34%-201.6pp |
| Employer contribution / active EE | $1,260 | $1,163+8.4% | $914+37.9% | $4,156-69.7% |
| Participant deferral / active EE | $2,455 | $2,288+7.3% | $1,790+37.1% | $6,407-61.7% |
| Admin fee / account holder | $1,979 | $2,844-30.4% | $2,495-20.7% | $12,270-83.9% |