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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 | $27,451 | $98,760-72.2% | $149,715-81.7% | $79,858-65.6% |
| Participation rate | 93.0% | 75.8%+17.2pp | 82.5%+10.5pp | 69.6%+23.3pp |
| Annual return | 17.43% | 27.43%-10.0pp | 276.66%-259.2pp | 31.72%-14.3pp |
| Employer contribution / active EE | $4,047 | $3,217+25.8% | $4,645-12.9% | $2,471+63.8% |
| Participant deferral / active EE | $8,402 | $5,681+47.9% | $6,842+22.8% | $3,740+124.7% |
| Admin fee / account holder | $3,578 | $6,053-40.9% | $9,310-61.6% | $5,306-32.6% |