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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 | $6,534 | $69,118-90.5% | $53,647-87.8% | $138,895-95.3% |
| Participation rate | 71.4% | 64.0%+7.5pp | 56.3%+15.1pp | 79.9%-8.5pp |
| Annual return | 23.82% | 248.26%-224.4pp | 358.33%-334.5pp | 145.39%-121.6pp |
| Employer contribution / active EE | $1,240 | $1,189+4.3% | $962+28.9% | $4,194-70.4% |
| Participant deferral / active EE | $1,597 | $2,274-29.8% | $1,813-11.9% | $6,396-75.0% |
| Admin fee / account holder | $1,362 | $2,724-50.0% | $2,460-44.6% | $12,562-89.2% |