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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 | $32,113 | $110,551-71.0% | $80,741-60.2% | $167,536-80.8% |
| Participation rate | 93.3% | 64.0%+29.4pp | 54.2%+39.2pp | 82.1%+11.2pp |
| Annual return | 9.18% | 120.57%-111.4pp | 87.30%-78.1pp | 478.82%-469.6pp |
| Employer contribution / active EE | $1,207 | $1,543-21.7% | $1,160+4.1% | $4,839-75.1% |
| Participant deferral / active EE | $4,371 | $2,870+52.3% | $2,145+103.7% | $6,342-31.1% |
| Admin fee / account holder | $1,741 | $4,547-61.7% | $3,380-48.5% | $12,315-85.9% |