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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 | $51,987 | $48,364+7.5% | $71,796-27.6% | $62,881-17.3% |
| Participation rate | 89.3% | 60.6%+28.7pp | 69.1%+20.2pp | 69.3%+20.0pp |
| Annual return | 5.33% | 13.16%-7.8pp | 78.04%-72.7pp | 20.14%-14.8pp |
| Employer contribution / active EE | $1,640 | $1,042+57.4% | $1,924-14.8% | $2,281-28.1% |
| Participant deferral / active EE | $6,518 | $2,091+211.7% | $2,794+133.2% | $3,203+103.5% |
| Admin fee / account holder | $3,036 | $3,771-19.5% | $4,815-36.9% | $4,296-29.3% |