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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 | $28,004 | $58,828-52.4% | $78,002-64.1% | $62,881-55.5% |
| Participation rate | 98.3% | 71.1%+27.2pp | 75.5%+22.8pp | 69.3%+29.0pp |
| Annual return | 9.33% | 17.16%-7.8pp | 425.99%-416.7pp | 20.14%-10.8pp |
| Employer contribution / active EE | $6,085 | $1,672+264.0% | $2,470+146.3% | $2,281+166.8% |
| Participant deferral / active EE | $5,528 | $2,686+105.9% | $3,497+58.1% | $3,203+72.6% |
| Admin fee / account holder | $9,419 | $4,393+114.4% | $5,481+71.8% | $4,296+119.3% |