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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 | $26,546 | $52,279-49.2% | $89,400-70.3% | $79,858-66.8% |
| Participation rate | 88.0% | 57.5%+30.5pp | 68.0%+20.0pp | 69.6%+18.4pp |
| Annual return | 30.60% | 22.16%+8.4pp | 245.64%-215.0pp | 31.72%-1.1pp |
| Employer contribution / active EE | $3,804 | $1,572+142.1% | $2,586+47.1% | $2,471+54.0% |
| Participant deferral / active EE | $8,477 | $2,740+209.3% | $3,890+117.9% | $3,740+126.6% |
| Admin fee / account holder | $3,282 | $3,356-2.2% | $4,882-32.8% | $5,306-38.1% |