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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 | $45,061 | $55,930-19.4% | $76,089-40.8% | $80,925-44.3% |
| Participation rate | 88.9% | 62.1%+26.8pp | 69.1%+19.8pp | 67.7%+21.2pp |
| Annual return | 29.08% | 20.58%+8.5pp | 360.94%-331.9pp | 35.65%-6.6pp |
| Employer contribution / active EE | $9,214 | $1,866+393.7% | $2,690+242.5% | $2,756+234.3% |
| Participant deferral / active EE | $7,607 | $3,051+149.4% | $4,259+78.6% | $4,299+77.0% |
| Admin fee / account holder | $2,761 | $5,241-47.3% | $6,418-57.0% | $6,940-60.2% |