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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 | $28,460 | $48,364-41.2% | $71,796-60.4% | $62,881-54.7% |
| Participation rate | 97.4% | 60.6%+36.8pp | 69.1%+28.3pp | 69.3%+28.1pp |
| Annual return | 6.79% | 13.16%-6.4pp | 78.04%-71.2pp | 20.14%-13.4pp |
| Employer contribution / active EE | $2,036 | $1,042+95.4% | $1,924+5.8% | $2,281-10.8% |
| Participant deferral / active EE | $3,434 | $2,091+64.2% | $2,794+22.9% | $3,203+7.2% |
| Admin fee / account holder | $395 | $3,771-89.5% | $4,815-91.8% | $4,296-90.8% |