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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 | $42,629 | $58,275-26.8% | $81,844-47.9% | $80,935-47.3% |
| Participation rate | 91.7% | 63.5%+28.2pp | 72.4%+19.3pp | 67.7%+24.0pp |
| Annual return | 13.46% | 41.82%-28.4pp | 778.87%-765.4pp | 35.66%-22.2pp |
| Employer contribution / active EE | $451 | $2,346-80.8% | $2,916-84.5% | $2,757-83.6% |
| Participant deferral / active EE | $4,557 | $3,285+38.7% | $4,323+5.4% | $4,299+6.0% |
| Admin fee / account holder | $4,854 | $4,749+2.2% | $7,355-34.0% | $6,924-29.9% |