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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 | $40,789 | $70,684-42.3% | $169,390-75.9% | $75,173-45.7% |
| Participation rate | 96.7% | 64.8%+31.9pp | 77.2%+19.5pp | 67.2%+29.5pp |
| Annual return | 34.70% | 36.38%-1.7pp | 406.07%-371.4pp | 160.72%-126.0pp |
| Employer contribution / active EE | $3,281 | $2,211+48.4% | $4,013-18.2% | $2,671+22.8% |
| Participant deferral / active EE | $6,491 | $4,310+50.6% | $6,222+4.3% | $4,126+57.3% |
| Admin fee / account holder | $9,073 | $5,404+67.9% | $9,015+0.6% | $5,651+60.6% |