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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 | $40,132 | $78,423-48.8% | $95,964-58.2% | $79,856-49.7% |
| Participation rate | 92.9% | 73.5%+19.4pp | 77.1%+15.8pp | 69.6%+23.2pp |
| Annual return | 13.79% | 19.37%-5.6pp | 91.64%-77.9pp | 31.71%-17.9pp |
| Employer contribution / active EE | $11,165 | $1,945+473.9% | $2,541+339.3% | $2,471+351.8% |
| Participant deferral / active EE | $1,995 | $3,440-42.0% | $4,167-52.1% | $3,741-46.7% |
| Admin fee / account holder | $7,059 | $5,622+25.6% | $6,797+3.8% | $5,306+33.0% |