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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 | $33,051 | $85,766-61.5% | $136,298-75.8% | $70,126-52.9% |
| Participation rate | 94.3% | 74.2%+20.1pp | 81.9%+12.4pp | 69.5%+24.7pp |
| Annual return | 23.91% | 31.46%-7.5pp | 5156.27%-5132.4pp | 73.15%-49.2pp |
| Employer contribution / active EE | $2,886 | $2,966-2.7% | $4,696-38.5% | $2,343+23.2% |
| Participant deferral / active EE | $5,130 | $5,051+1.6% | $6,247-17.9% | $3,332+54.0% |
| Admin fee / account holder | $3,869 | $5,421-28.6% | $9,244-58.1% | $4,645-16.7% |