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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 | $28,891 | $75,832-61.9% | $147,617-80.4% | $59,633-51.6% |
| Participation rate | 97.6% | 71.6%+26.0pp | 84.6%+12.9pp | 68.7%+28.9pp |
| Annual return | 7.30% | 0.37%+6.9pp | 61.98%-54.7pp | 2041.45%-2034.1pp |
| Employer contribution / active EE | $5,125 | $3,485+47.1% | $5,564-7.9% | $2,203+132.7% |
| Participant deferral / active EE | $2,473 | $3,131-21.0% | $4,895-49.5% | $3,192-22.5% |
| Admin fee / account holder | $1,058 | $5,986-82.3% | $11,612-90.9% | $4,297-75.4% |