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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 | $26,999 | $48,337-44.1% | $67,560-60.0% | $80,959-66.7% |
| Participation rate | 94.4% | 66.4%+28.0pp | 72.9%+21.5pp | 67.7%+26.8pp |
| Annual return | 32.48% | 18.26%+14.2pp | 3533.50%-3501.0pp | 35.67%-3.2pp |
| Employer contribution / active EE | $3,261 | $2,023+61.2% | $2,737+19.2% | $2,757+18.3% |
| Participant deferral / active EE | $4,983 | $2,928+70.2% | $4,004+24.5% | $4,300+15.9% |
| Admin fee / account holder | $481 | $3,695-87.0% | $3,994-88.0% | $6,925-93.1% |