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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 | $41,749 | $78,670-46.9% | $109,173-61.8% | $85,847-51.4% |
| Participation rate | 96.6% | 68.3%+28.3pp | 75.9%+20.7pp | 69.3%+27.2pp |
| Annual return | 13.46% | 25.09%-11.6pp | 25.75%-12.3pp | 318.61%-305.1pp |
| Employer contribution / active EE | $8,037 | $2,734+194.0% | $3,723+115.9% | $2,565+213.3% |
| Participant deferral / active EE | $5,550 | $3,467+60.1% | $4,654+19.3% | $3,952+40.4% |
| Admin fee / account holder | $3,654 | $5,469-33.2% | $6,755-45.9% | $6,261-41.6% |