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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 | $44,023 | $115,814-62.0% | $101,275-56.5% | $158,982-72.3% |
| Participation rate | 94.4% | 79.4%+15.1pp | 75.8%+18.6pp | 82.0%+12.5pp |
| Annual return | 12.99% | 56.16%-43.2pp | 46.48%-33.5pp | 302.99%-290.0pp |
| Employer contribution / active EE | $2,614 | $4,176-37.4% | $3,660-28.6% | $4,763-45.1% |
| Participant deferral / active EE | $6,229 | $4,958+25.6% | $4,371+42.5% | $5,983+4.1% |
| Admin fee / account holder | $621 | $7,249-91.4% | $5,948-89.6% | $11,252-94.5% |