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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 | $30,987 | $71,215-56.5% | $93,696-66.9% | $80,935-61.7% |
| Participation rate | 97.3% | 60.4%+36.9pp | 68.7%+28.6pp | 67.7%+29.6pp |
| Annual return | 15.63% | 11.27%+4.4pp | 133.74%-118.1pp | 35.66%-20.0pp |
| Employer contribution / active EE | $5,109 | $1,565+226.4% | $2,422+110.9% | $2,757+85.3% |
| Participant deferral / active EE | $4,233 | $4,037+4.9% | $4,417-4.2% | $4,299-1.6% |
| Admin fee / account holder | $1,018 | $6,958-85.4% | $8,287-87.7% | $6,924-85.3% |