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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 | $18,209 | $61,787-70.5% | $97,197-81.3% | $80,925-77.5% |
| Participation rate | 93.3% | 63.5%+29.9pp | 72.7%+20.6pp | 67.7%+25.7pp |
| Annual return | 35.21% | -558.16%+593.4pp | 75.47%-40.3pp | 35.65%-0.4pp |
| Employer contribution / active EE | $3,364 | $1,836+83.2% | $2,723+23.5% | $2,756+22.0% |
| Participant deferral / active EE | $4,856 | $3,027+60.4% | $4,263+13.9% | $4,299+13.0% |
| Admin fee / account holder | $4,287 | $5,170-17.1% | $5,637-24.0% | $6,940-38.2% |