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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 | $35,744 | $53,128-32.7% | $86,582-58.7% | $70,126-49.0% |
| Participation rate | 96.9% | 65.3%+31.6pp | 73.5%+23.3pp | 69.5%+27.3pp |
| Annual return | 18.12% | 27.66%-9.5pp | 965.08%-947.0pp | 73.15%-55.0pp |
| Employer contribution / active EE | $4,170 | $2,068+101.7% | $2,839+46.9% | $2,343+78.0% |
| Participant deferral / active EE | $3,633 | $2,695+34.8% | $3,609+0.7% | $3,332+9.0% |
| Admin fee / account holder | $878 | $3,584-75.5% | $4,904-82.1% | $4,645-81.1% |