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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 | $39,303 | $68,681-42.8% | $86,625-54.6% | $85,851-54.2% |
| Participation rate | 96.3% | 66.4%+29.9pp | 71.6%+24.6pp | 69.3%+27.0pp |
| Annual return | 36.48% | 20.12%+16.4pp | 63.52%-27.0pp | 318.63%-282.2pp |
| Employer contribution / active EE | $6,438 | $1,880+242.4% | $2,496+158.0% | $2,565+151.0% |
| Participant deferral / active EE | $5,460 | $2,919+87.0% | $3,700+47.6% | $3,952+38.1% |
| Admin fee / account holder | $468 | $5,974-92.2% | $5,830-92.0% | $6,261-92.5% |