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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 | $39,816 | $58,311-31.7% | $81,882-51.4% | $80,959-50.8% |
| Participation rate | 89.1% | 63.5%+25.6pp | 72.4%+16.7pp | 67.7%+21.5pp |
| Annual return | 15.53% | 41.85%-26.3pp | 779.47%-763.9pp | 35.67%-20.1pp |
| Employer contribution / active EE | $3,162 | $2,347+34.7% | $2,916+8.4% | $2,757+14.7% |
| Participant deferral / active EE | $10,733 | $3,287+226.5% | $4,323+148.3% | $4,300+149.6% |
| Admin fee / account holder | $5,232 | $4,752+10.1% | $7,360-28.9% | $6,925-24.5% |