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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 | $41,030 | $85,171-51.8% | $172,753-76.2% | $72,976-43.8% |
| Participation rate | 97.1% | 70.1%+27.1pp | 82.6%+14.5pp | 69.5%+27.7pp |
| Annual return | 16.26% | 27.32%-11.1pp | 803.00%-786.7pp | 81.02%-64.8pp |
| Employer contribution / active EE | $3,102 | $3,324-6.7% | $5,144-39.7% | $2,440+27.1% |
| Participant deferral / active EE | $2,516 | $3,260-22.8% | $5,198-51.6% | $3,608-30.3% |
| Admin fee / account holder | $8,381 | $5,880+42.5% | $13,956-39.9% | $5,124+63.6% |