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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 | $61,125-35.1% | $94,057-57.8% | $87,485-54.7% |
| Participation rate | 96.6% | 64.1%+32.5pp | 73.3%+23.2pp | 68.9%+27.6pp |
| Annual return | 13.88% | 35.20%-21.3pp | 480.62%-466.7pp | 26.06%-12.2pp |
| Employer contribution / active EE | $1,807 | $2,136-15.4% | $2,933-38.4% | $2,596-30.4% |
| Participant deferral / active EE | $5,280 | $3,260+62.0% | $4,709+12.1% | $4,274+23.5% |
| Admin fee / account holder | $7,045 | $5,629+25.2% | $7,244-2.8% | $7,775-9.4% |