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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 | $34,415 | $51,631-33.3% | $129,397-73.4% | $80,925-57.5% |
| Participation rate | 96.8% | 56.9%+39.8pp | 69.6%+27.2pp | 67.7%+29.1pp |
| Annual return | 19.33% | 20.77%-1.4pp | 9453.98%-9434.6pp | 35.65%-16.3pp |
| Employer contribution / active EE | $7,294 | $1,583+360.8% | $4,154+75.6% | $2,756+164.6% |
| Participant deferral / active EE | $9,799 | $2,670+267.0% | $4,167+135.1% | $4,299+128.0% |
| Admin fee / account holder | $5,153 | $4,309+19.6% | $7,679-32.9% | $6,940-25.7% |