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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 | $26,550 | $70,684-62.4% | $169,390-84.3% | $75,173-64.7% |
| Participation rate | 97.6% | 64.8%+32.8pp | 77.2%+20.4pp | 67.2%+30.4pp |
| Annual return | 19.34% | 36.38%-17.0pp | 406.07%-386.7pp | 160.72%-141.4pp |
| Employer contribution / active EE | $3,805 | $2,211+72.1% | $4,013-5.2% | $2,671+42.5% |
| Participant deferral / active EE | $5,797 | $4,310+34.5% | $6,222-6.8% | $4,126+40.5% |
| Admin fee / account holder | $3,695 | $5,404-31.6% | $9,015-59.0% | $5,651-34.6% |