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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 | $35,305 | $47,944-26.4% | $67,834-48.0% | $62,881-43.9% |
| Participation rate | 88.9% | 61.1%+27.8pp | 68.8%+20.1pp | 69.3%+19.6pp |
| Annual return | 9.53% | 11.77%-2.2pp | 138.47%-128.9pp | 20.14%-10.6pp |
| Employer contribution / active EE | $4,682 | $1,562+199.7% | $2,403+94.8% | $2,281+105.3% |
| Participant deferral / active EE | $6,013 | $2,247+167.6% | $3,160+90.3% | $3,203+87.7% |
| Admin fee / account holder | $1,795 | $3,712-51.7% | $4,622-61.2% | $4,296-58.2% |