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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 | $38,071 | $58,726-35.2% | $92,239-58.7% | $62,293-38.9% |
| Participation rate | 96.3% | 68.3%+28.0pp | 76.5%+19.8pp | 69.5%+26.8pp |
| Annual return | 16.49% | 43.62%-27.1pp | 176.29%-159.8pp | 28.90%-12.4pp |
| Employer contribution / active EE | $5,579 | $2,392+133.3% | $3,680+51.6% | $2,042+173.2% |
| Participant deferral / active EE | $2,394 | $2,766-13.4% | $3,897-38.6% | $3,169-24.4% |
| Admin fee / account holder | $1,903 | $556+241.9% | $5,194-63.4% | $479+297.0% |