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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 | $29,789 | $83,369-64.3% | $105,223-71.7% | $67,986-56.2% |
| Participation rate | 92.5% | 56.3%+36.2pp | 75.0%+17.4pp | 57.2%+35.3pp |
| Annual return | 48.05% | 24.64%+23.4pp | 180.65%-132.6pp | 31.67%+16.4pp |
| Employer contribution / active EE | $1,645 | $2,541-35.3% | $3,689-55.4% | $2,019-18.5% |
| Participant deferral / active EE | $4,752 | $3,295+44.2% | $5,072-6.3% | $3,358+41.5% |
| Admin fee / account holder | $1,365 | $4,073-66.5% | $8,859-84.6% | $3,203-57.4% |