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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 | $46,922 | $49,891-6.0% | $80,607-41.8% | $75,181-37.6% |
| Participation rate | 91.1% | 55.3%+35.8pp | 67.0%+24.1pp | 67.2%+23.9pp |
| Annual return | 21.30% | 34.67%-13.4pp | 936.11%-914.8pp | 160.69%-139.4pp |
| Employer contribution / active EE | $1,997 | $1,698+17.6% | $2,724-26.7% | $2,671-25.2% |
| Participant deferral / active EE | $6,938 | $2,991+131.9% | $4,448+56.0% | $4,126+68.2% |
| Admin fee / account holder | $625 | $3,578-82.5% | $5,379-88.4% | $5,650-88.9% |