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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 | $12,406 | $67,823-81.7% | $52,425-76.3% | $137,256-91.0% |
| Participation rate | 88.2% | 63.9%+24.3pp | 55.6%+32.6pp | 80.0%+8.3pp |
| Annual return | 12.69% | 219.11%-206.4pp | 302.12%-289.4pp | 220.34%-207.6pp |
| Employer contribution / active EE | $1,361 | $1,163+17.0% | $914+48.8% | $4,156-67.3% |
| Participant deferral / active EE | $2,516 | $2,288+9.9% | $1,790+40.5% | $6,407-60.7% |
| Admin fee / account holder | $2,103 | $2,844-26.1% | $2,495-15.7% | $12,270-82.9% |