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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 | $34,906 | $98,776-64.7% | $149,745-76.7% | $79,856-56.3% |
| Participation rate | 96.4% | 75.8%+20.6pp | 82.5%+13.9pp | 69.6%+26.8pp |
| Annual return | 17.48% | 27.38%-9.9pp | 276.72%-259.2pp | 31.71%-14.2pp |
| Employer contribution / active EE | $2,704 | $3,217-16.0% | $4,646-41.8% | $2,471+9.4% |
| Participant deferral / active EE | $7,836 | $5,681+37.9% | $6,843+14.5% | $3,741+109.5% |
| Admin fee / account holder | $4,015 | $6,053-33.7% | $9,312-56.9% | $5,306-24.3% |