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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 | $58,258-31.7% | $81,820-51.3% | $80,925-50.8% |
| Participation rate | 89.1% | 63.5%+25.7pp | 72.4%+16.7pp | 67.7%+21.5pp |
| Annual return | 15.53% | 41.76%-26.2pp | 777.93%-762.4pp | 35.65%-20.1pp |
| Employer contribution / active EE | $3,162 | $2,345+34.8% | $2,915+8.5% | $2,756+14.7% |
| Participant deferral / active EE | $10,733 | $3,284+226.9% | $4,323+148.3% | $4,299+149.7% |
| Admin fee / account holder | $5,232 | $4,976+5.1% | $7,391-29.2% | $6,940-24.6% |