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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 | $24,313 | $49,896-51.3% | $80,627-69.8% | $75,173-67.7% |
| Participation rate | 86.0% | 55.3%+30.7pp | 67.0%+19.0pp | 67.2%+18.8pp |
| Annual return | 19.64% | 34.67%-15.0pp | 936.76%-917.1pp | 160.72%-141.1pp |
| Employer contribution / active EE | $2,069 | $1,699+21.8% | $2,723-24.0% | $2,671-22.5% |
| Participant deferral / active EE | $4,580 | $2,992+53.1% | $4,443+3.1% | $4,126+11.0% |
| Admin fee / account holder | $766 | $3,578-78.6% | $5,381-85.8% | $5,651-86.4% |