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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 | $39,646 | $51,638-23.2% | $68,368-42.0% | $82,448-51.9% |
| Participation rate | 96.6% | 63.6%+32.9pp | 73.8%+22.8pp | 68.1%+28.5pp |
| Annual return | 13.88% | 37.53%-23.7pp | 292.57%-278.7pp | 41.64%-27.8pp |
| Employer contribution / active EE | $1,807 | $2,047-11.7% | $2,649-31.8% | $2,551-29.2% |
| Participant deferral / active EE | $5,280 | $2,914+81.2% | $4,123+28.1% | $4,139+27.6% |
| Admin fee / account holder | $7,045 | $4,643+51.7% | $5,150+36.8% | $7,234-2.6% |