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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 | $46,598 | $89,364-47.9% | $141,177-67.0% | $72,983-36.2% |
| Participation rate | 98.6% | 75.1%+23.5pp | 82.5%+16.2pp | 69.5%+29.1pp |
| Annual return | 27.71% | 111.86%-84.1pp | 71.40%-43.7pp | 81.01%-53.3pp |
| Employer contribution / active EE | $4,634 | $3,115+48.8% | $4,736-2.2% | $2,440+89.9% |
| Participant deferral / active EE | $7,769 | $5,419+43.4% | $6,710+15.8% | $3,608+115.4% |
| Admin fee / account holder | $3,542 | $5,959-40.6% | $10,263-65.5% | $5,124-30.9% |