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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 | $12,546 | $51,638-75.7% | $68,368-81.6% | $82,448-84.8% |
| Participation rate | 88.6% | 63.6%+25.0pp | 73.8%+14.8pp | 68.1%+20.5pp |
| Annual return | 18.35% | 37.53%-19.2pp | 292.57%-274.2pp | 41.64%-23.3pp |
| Employer contribution / active EE | $2,898 | $2,047+41.6% | $2,649+9.4% | $2,551+13.6% |
| Participant deferral / active EE | $4,147 | $2,914+42.3% | $4,123+0.6% | $4,139+0.2% |
| Admin fee / account holder | $3,844 | $4,643-17.2% | $5,150-25.4% | $7,234-46.9% |