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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 | $25,045 | $48,277-48.1% | $67,511-62.9% | $80,874-69.0% |
| Participation rate | 93.3% | 66.4%+26.9pp | 72.9%+20.4pp | 67.6%+25.7pp |
| Annual return | 14.49% | 18.27%-3.8pp | 3517.41%-3502.9pp | 35.62%-21.1pp |
| Employer contribution / active EE | $3,845 | $2,021+90.2% | $2,733+40.7% | $2,756+39.5% |
| Participant deferral / active EE | $5,404 | $2,926+84.7% | $4,000+35.1% | $4,297+25.8% |
| Admin fee / account holder | $1,546 | $3,687-58.1% | $3,999-61.3% | $6,935-77.7% |