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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 | $93,023-62.7% | $77,027-54.9% | $134,493-74.2% |
| Participation rate | 94.1% | 74.5%+19.6pp | 67.9%+26.2pp | 81.2%+12.9pp |
| Annual return | 4.12% | 62.61%-58.5pp | 42.32%-38.2pp | 418.01%-413.9pp |
| Employer contribution / active EE | $3,154 | $3,418-7.7% | $2,813+12.1% | $4,740-33.5% |
| Participant deferral / active EE | $8,358 | $5,238+59.5% | $4,427+88.8% | $6,400+30.6% |
| Admin fee / account holder | $1,313 | $6,944-81.1% | $5,425-75.8% | $11,425-88.5% |