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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 | $31,035 | $62,393-50.3% | $120,580-74.3% | $74,478-58.3% |
| Participation rate | 77.5% | 56.8%+20.7pp | 72.0%+5.5pp | 67.2%+10.2pp |
| Annual return | 20.31% | 18.61%+1.7pp | 107.48%-87.2pp | 1370.56%-1350.3pp |
| Employer contribution / active EE | $1,374 | $1,845-25.5% | $3,469-60.4% | $2,626-47.7% |
| Participant deferral / active EE | $4,465 | $2,886+54.7% | $4,995-10.6% | $4,350+2.6% |
| Admin fee / account holder | $3,377 | $2,396+40.9% | $9,418-64.1% | $1,946+73.6% |