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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 | $41,269 | $58,828-29.8% | $78,002-47.1% | $62,881-34.4% |
| Participation rate | 88.6% | 71.1%+17.6pp | 75.5%+13.1pp | 69.3%+19.3pp |
| Annual return | 8.36% | 17.16%-8.8pp | 425.99%-417.6pp | 20.14%-11.8pp |
| Employer contribution / active EE | $3,902 | $1,672+133.4% | $2,470+58.0% | $2,281+71.1% |
| Participant deferral / active EE | $1,679 | $2,686-37.5% | $3,497-52.0% | $3,203-47.6% |
| Admin fee / account holder | $822 | $4,393-81.3% | $5,481-85.0% | $4,296-80.9% |