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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 | $34,848 | $49,891-30.2% | $80,607-56.8% | $75,181-53.6% |
| Participation rate | 94.3% | 55.3%+39.0pp | 67.0%+27.3pp | 67.2%+27.1pp |
| Annual return | 22.76% | 34.67%-11.9pp | 936.11%-913.4pp | 160.69%-137.9pp |
| Employer contribution / active EE | $4,668 | $1,698+174.8% | $2,724+71.3% | $2,671+74.8% |
| Participant deferral / active EE | $3,935 | $2,991+31.5% | $4,448-11.5% | $4,126-4.6% |
| Admin fee / account holder | $1,558 | $3,578-56.5% | $5,379-71.0% | $5,650-72.4% |