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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 | $48,314-48.2% | $67,561-62.9% | $80,925-69.1% |
| Participation rate | 93.3% | 66.4%+26.9pp | 72.9%+20.4pp | 67.7%+25.7pp |
| Annual return | 14.49% | 18.28%-3.8pp | 3525.44%-3511.0pp | 35.65%-21.2pp |
| Employer contribution / active EE | $3,845 | $2,022+90.2% | $2,735+40.6% | $2,756+39.5% |
| Participant deferral / active EE | $5,404 | $2,927+84.7% | $4,003+35.0% | $4,299+25.7% |
| Admin fee / account holder | $1,546 | $3,690-58.1% | $4,006-61.4% | $6,940-77.7% |