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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 | $49,968 | $98,760-49.4% | $149,715-66.6% | $79,858-37.4% |
| Participation rate | 98.1% | 75.8%+22.4pp | 82.5%+15.7pp | 69.6%+28.5pp |
| Annual return | 20.81% | 27.43%-6.6pp | 276.66%-255.9pp | 31.72%-10.9pp |
| Employer contribution / active EE | $3,866 | $3,217+20.2% | $4,645-16.8% | $2,471+56.5% |
| Participant deferral / active EE | $7,653 | $5,681+34.7% | $6,842+11.9% | $3,740+104.6% |
| Admin fee / account holder | $450 | $6,053-92.6% | $9,310-95.2% | $5,306-91.5% |