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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 | $29,140 | $23,330+24.9% | $64,489-54.8% | $82,448-64.7% |
| Participation rate | 74.4% | 68.3%+6.1pp | 67.7%+6.7pp | 68.1%+6.3pp |
| Annual return | 16.99% | 83.66%-66.7pp | 55.03%-38.0pp | 41.64%-24.6pp |
| Employer contribution / active EE | $2,282 | $824+176.8% | $1,523+49.8% | $2,551-10.5% |
| Participant deferral / active EE | $2,003 | $1,707+17.3% | $2,778-27.9% | $4,139-51.6% |
| Admin fee / account holder | $519 | $2,946-82.4% | $4,260-87.8% | $7,234-92.8% |