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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 | $29,557 | $49,896-40.8% | $80,627-63.3% | $75,173-60.7% |
| Participation rate | 98.2% | 55.3%+42.9pp | 67.0%+31.2pp | 67.2%+31.0pp |
| Annual return | 18.24% | 34.67%-16.4pp | 936.76%-918.5pp | 160.72%-142.5pp |
| Employer contribution / active EE | $2,888 | $1,699+70.0% | $2,723+6.1% | $2,671+8.1% |
| Participant deferral / active EE | $5,170 | $2,992+72.8% | $4,443+16.4% | $4,126+25.3% |
| Admin fee / account holder | $742 | $3,578-79.3% | $5,381-86.2% | $5,651-86.9% |