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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 | $27,932 | $89,370-68.7% | $141,197-80.2% | $72,976-61.7% |
| Participation rate | 96.0% | 75.1%+20.9pp | 82.5%+13.5pp | 69.5%+26.5pp |
| Annual return | 23.33% | 111.88%-88.5pp | 71.41%-48.1pp | 81.02%-57.7pp |
| Employer contribution / active EE | $3,307 | $3,115+6.2% | $4,736-30.2% | $2,440+35.5% |
| Participant deferral / active EE | $5,436 | $5,419+0.3% | $6,710-19.0% | $3,608+50.7% |
| Admin fee / account holder | $9,604 | $5,957+61.2% | $10,265-6.4% | $5,124+87.4% |