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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 | $25,169 | $70,684-64.4% | $169,397-85.1% | $75,177-66.5% |
| Participation rate | 96.0% | 64.8%+31.2pp | 77.2%+18.8pp | 67.2%+28.8pp |
| Annual return | 14.81% | 36.38%-21.6pp | 406.23%-391.4pp | 160.75%-145.9pp |
| Employer contribution / active EE | $1,560 | $2,211-29.4% | $4,013-61.1% | $2,671-41.6% |
| Participant deferral / active EE | $3,808 | $4,310-11.6% | $6,223-38.8% | $4,126-7.7% |
| Admin fee / account holder | $4,895 | $5,404-9.4% | $9,017-45.7% | $5,651-13.4% |