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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 | $45,770 | $62,409-26.7% | $120,574-62.0% | $74,459-38.5% |
| Participation rate | 95.2% | 56.8%+38.5pp | 71.9%+23.3pp | 67.2%+28.0pp |
| Annual return | 16.66% | 18.62%-2.0pp | 107.42%-90.8pp | 1369.70%-1353.0pp |
| Employer contribution / active EE | $6,249 | $1,847+238.4% | $3,471+80.1% | $2,626+138.0% |
| Participant deferral / active EE | $3,133 | $2,888+8.5% | $4,996-37.3% | $4,350-28.0% |
| Admin fee / account holder | $6,714 | $2,394+180.5% | $9,445-28.9% | $1,945+245.2% |