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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 | $27,786 | $75,962-63.4% | $154,111-82.0% | $64,173-56.7% |
| Participation rate | 98.0% | 70.4%+27.5pp | 83.0%+14.9pp | 69.6%+28.4pp |
| Annual return | 6.63% | 30.32%-23.7pp | 735.18%-728.6pp | 7.63%-1.0pp |
| Employer contribution / active EE | $5,952 | $3,350+77.7% | $5,298+12.3% | $2,381+150.0% |
| Participant deferral / active EE | $4,167 | $3,175+31.3% | $5,081-18.0% | $3,470+20.1% |
| Admin fee / account holder | $856 | $5,589-84.7% | $13,411-93.6% | $4,887-82.5% |