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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 | $34,721 | $93,124-62.7% | $77,100-55.0% | $134,545-74.2% |
| Participation rate | 94.1% | 74.5%+19.6pp | 67.9%+26.2pp | 81.2%+12.9pp |
| Annual return | 4.12% | 62.68%-58.6pp | 42.35%-38.2pp | 418.37%-414.3pp |
| Employer contribution / active EE | $3,154 | $3,421-7.8% | $2,815+12.0% | $4,742-33.5% |
| Participant deferral / active EE | $8,358 | $5,242+59.4% | $4,430+88.7% | $6,401+30.6% |
| Admin fee / account holder | $1,313 | $6,970-81.2% | $5,443-75.9% | $11,431-88.5% |