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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 | $55,902-19.4% | $76,030-40.7% | $80,959-44.3% |
| Participation rate | 88.9% | 62.1%+26.8pp | 69.1%+19.8pp | 67.7%+21.2pp |
| Annual return | 29.08% | 20.59%+8.5pp | 361.54%-332.5pp | 35.67%-6.6pp |
| Employer contribution / active EE | $9,214 | $1,867+393.6% | $2,688+242.8% | $2,757+234.2% |
| Participant deferral / active EE | $7,607 | $3,051+149.4% | $4,257+78.7% | $4,300+76.9% |
| Admin fee / account holder | $2,761 | $5,239-47.3% | $6,421-57.0% | $6,925-60.1% |