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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 | $32,044 | $85,766-62.6% | $136,298-76.5% | $70,126-54.3% |
| Participation rate | 97.4% | 74.2%+23.2pp | 81.9%+15.4pp | 69.5%+27.8pp |
| Annual return | 17.40% | 31.46%-14.1pp | 5156.27%-5138.9pp | 73.15%-55.7pp |
| Employer contribution / active EE | $3,554 | $2,966+19.8% | $4,696-24.3% | $2,343+51.7% |
| Participant deferral / active EE | $2,989 | $5,051-40.8% | $6,247-52.2% | $3,332-10.3% |
| Admin fee / account holder | $1,570 | $5,421-71.0% | $9,244-83.0% | $4,645-66.2% |