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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 | $30,694 | $78,425-60.9% | $95,956-68.0% | $79,858-61.6% |
| Participation rate | 93.8% | 73.5%+20.3pp | 77.1%+16.7pp | 69.6%+24.1pp |
| Annual return | 18.87% | 19.37%-0.5pp | 91.63%-72.8pp | 31.72%-12.9pp |
| Employer contribution / active EE | $3,569 | $1,945+83.5% | $2,541+40.5% | $2,471+44.5% |
| Participant deferral / active EE | $10,577 | $3,440+207.5% | $4,167+153.9% | $3,740+182.8% |
| Admin fee / account holder | $17,107 | $5,622+204.3% | $6,797+151.7% | $5,306+222.4% |