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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 | $34,855 | $41,150-15.3% | $80,607-56.8% | $71,495-51.2% |
| Participation rate | 71.0% | 50.3%+20.7pp | 67.0%+4.0pp | 67.9%+3.0pp |
| Annual return | 43.32% | 38.48%+4.8pp | 936.11%-892.8pp | 28.85%+14.5pp |
| Employer contribution / active EE | $1,557 | $1,515+2.8% | $2,724-42.8% | $2,589-39.9% |
| Participant deferral / active EE | $3,782 | $2,701+40.0% | $4,448-15.0% | $4,291-11.9% |
| Admin fee / account holder | $7,897 | $1,841+328.9% | $5,379+46.8% | $1,588+397.4% |