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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 | $38,426 | $48,053-20.0% | $84,637-54.6% | $72,976-47.3% |
| Participation rate | 88.5% | 57.6%+30.9pp | 68.2%+20.3pp | 69.5%+19.0pp |
| Annual return | 19.81% | 37.39%-17.6pp | 258.82%-239.0pp | 81.02%-61.2pp |
| Employer contribution / active EE | $2,698 | $1,602+68.4% | $2,653+1.7% | $2,440+10.6% |
| Participant deferral / active EE | $1,736 | $2,681-35.2% | $3,900-55.5% | $3,608-51.9% |
| Admin fee / account holder | $4,825 | $3,395+42.1% | $4,914-1.8% | $5,124-5.8% |