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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 | $41,449 | $91,086-54.5% | $203,872-79.7% | $86,983-52.3% |
| Participation rate | 98.9% | 65.8%+33.0pp | 77.8%+21.0pp | 69.5%+29.3pp |
| Annual return | 21.87% | 22.30%-0.4pp | 85.11%-63.2pp | 25.83%-4.0pp |
| Employer contribution / active EE | $3,349 | $2,063+62.3% | $3,757-10.9% | $2,584+29.6% |
| Participant deferral / active EE | $6,720 | $4,019+67.2% | $6,388+5.2% | $4,194+60.2% |
| Admin fee / account holder | $2,271 | $8,987-74.7% | $11,730-80.6% | $7,856-71.1% |