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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 | $41,726 | $89,370-53.3% | $141,197-70.4% | $72,976-42.8% |
| Participation rate | 96.6% | 75.1%+21.4pp | 82.5%+14.1pp | 69.5%+27.1pp |
| Annual return | 21.84% | 111.88%-90.0pp | 71.41%-49.6pp | 81.02%-59.2pp |
| Employer contribution / active EE | $6,894 | $3,115+121.3% | $4,736+45.6% | $2,440+182.5% |
| Participant deferral / active EE | $5,672 | $5,419+4.7% | $6,710-15.5% | $3,608+57.2% |
| Admin fee / account holder | $301 | $5,957-94.9% | $10,265-97.1% | $5,124-94.1% |