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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 | $40,444 | $79,449-49.1% | $189,597-78.7% | $85,851-52.9% |
| Participation rate | 97.2% | 66.0%+31.2pp | 78.4%+18.8pp | 69.3%+27.9pp |
| Annual return | 12.97% | 18.45%-5.5pp | 64.20%-51.2pp | 318.63%-305.7pp |
| Employer contribution / active EE | $2,042 | $2,081-1.9% | $4,412-53.7% | $2,565-20.4% |
| Participant deferral / active EE | $4,699 | $4,051+16.0% | $6,174-23.9% | $3,952+18.9% |
| Admin fee / account holder | $1,859 | $5,377-65.4% | $9,807-81.0% | $6,261-70.3% |