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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 | $21,583 | $58,311-63.0% | $81,882-73.6% | $80,959-73.3% |
| Participation rate | 94.6% | 63.5%+31.1pp | 72.4%+22.2pp | 67.7%+26.9pp |
| Annual return | 10.98% | 41.85%-30.9pp | 779.47%-768.5pp | 35.67%-24.7pp |
| Employer contribution / active EE | $2,594 | $2,347+10.6% | $2,916-11.0% | $2,757-5.9% |
| Participant deferral / active EE | $4,083 | $3,287+24.2% | $4,323-5.6% | $4,300-5.1% |
| Admin fee / account holder | $7,832 | $4,752+64.8% | $7,360+6.4% | $6,925+13.1% |