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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 | $47,067 | $63,354-25.7% | $94,105-50.0% | $82,637-43.0% |
| Participation rate | 97.7% | 63.8%+33.9pp | 71.9%+25.8pp | 68.1%+29.7pp |
| Annual return | 13.93% | 34.36%-20.4pp | 204.55%-190.6pp | 53.51%-39.6pp |
| Employer contribution / active EE | $6,386 | $1,760+263.0% | $2,504+155.0% | $2,552+150.2% |
| Participant deferral / active EE | $3,801 | $2,873+32.3% | $3,881-2.1% | $4,126-7.9% |
| Admin fee / account holder | $4,855 | $5,073-4.3% | $6,199-21.7% | $7,339-33.8% |