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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 | $26,649 | $73,107-63.5% | $114,563-76.7% | $87,485-69.5% |
| Participation rate | 96.4% | 65.8%+30.6pp | 72.9%+23.5pp | 68.9%+27.5pp |
| Annual return | 19.14% | 19.47%-0.3pp | 241.09%-222.0pp | 26.06%-6.9pp |
| Employer contribution / active EE | $1,287 | $1,881-31.6% | $2,592-50.4% | $2,596-50.4% |
| Participant deferral / active EE | $4,458 | $3,144+41.8% | $4,142+7.6% | $4,274+4.3% |
| Admin fee / account holder | $305 | $5,770-94.7% | $7,623-96.0% | $7,775-96.1% |