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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 | $41,506 | $85,171-51.3% | $172,753-76.0% | $72,976-43.1% |
| Participation rate | 96.0% | 70.1%+25.9pp | 82.6%+13.4pp | 69.5%+26.5pp |
| Annual return | 18.34% | 27.32%-9.0pp | 803.00%-784.7pp | 81.02%-62.7pp |
| Employer contribution / active EE | $4,452 | $3,324+33.9% | $5,144-13.5% | $2,440+82.5% |
| Participant deferral / active EE | $3,252 | $3,260-0.2% | $5,198-37.4% | $3,608-9.9% |
| Admin fee / account holder | $1,154 | $5,880-80.4% | $13,956-91.7% | $5,124-77.5% |