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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 | $36,989 | $65,367-43.4% | $92,915-60.2% | $72,976-49.3% |
| Participation rate | 98.2% | 68.3%+29.9pp | 76.0%+22.2pp | 69.5%+28.7pp |
| Annual return | 26.80% | 42.11%-15.3pp | 109.45%-82.6pp | 81.02%-54.2pp |
| Employer contribution / active EE | $10,001 | $2,594+285.6% | $3,653+173.7% | $2,440+309.9% |
| Participant deferral / active EE | $5,566 | $3,128+77.9% | $4,238+31.3% | $3,608+54.3% |
| Admin fee / account holder | $575 | $4,251-86.5% | $5,796-90.1% | $5,124-88.8% |