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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 | $38,978 | $85,171-54.2% | $172,752-77.4% | $72,975-46.6% |
| Participation rate | 87.5% | 70.1%+17.4pp | 82.6%+4.9pp | 69.5%+18.0pp |
| Annual return | 27.53% | 27.32%+0.2pp | 802.97%-775.4pp | 81.01%-53.5pp |
| Employer contribution / active EE | $2,116 | $3,324-36.3% | $5,144-58.9% | $2,440-13.3% |
| Participant deferral / active EE | $4,317 | $3,260+32.4% | $5,198-16.9% | $3,608+19.7% |
| Admin fee / account holder | $383 | $5,880-93.5% | $13,955-97.3% | $5,124-92.5% |