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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 | $5,041 | $70,366-92.8% | $66,674-92.4% | $138,895-96.4% |
| Participation rate | 94.1% | 76.2%+17.9pp | 73.7%+20.4pp | 79.9%+14.2pp |
| Annual return | 25.10% | 386.41%-361.3pp | 321.24%-296.1pp | 145.39%-120.3pp |
| Employer contribution / active EE | $1,103 | $2,765-60.1% | $2,620-57.9% | $4,194-73.7% |
| Participant deferral / active EE | $1,358 | $4,374-69.0% | $4,084-66.8% | $6,396-78.8% |
| Admin fee / account holder | $916 | $5,262-82.6% | $5,098-82.0% | $12,562-92.7% |