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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 | $24,155 | $61,125-60.5% | $94,057-74.3% | $87,485-72.4% |
| Participation rate | 97.3% | 64.1%+33.2pp | 73.3%+24.0pp | 68.9%+28.4pp |
| Annual return | 16.87% | 35.20%-18.3pp | 480.62%-463.8pp | 26.06%-9.2pp |
| Employer contribution / active EE | $2,757 | $2,136+29.1% | $2,933-6.0% | $2,596+6.2% |
| Participant deferral / active EE | $3,884 | $3,260+19.1% | $4,709-17.5% | $4,274-9.1% |
| Admin fee / account holder | $7,076 | $5,629+25.7% | $7,244-2.3% | $7,775-9.0% |