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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 | $47,963 | $72,177-33.5% | $115,038-58.3% | $59,633-19.6% |
| Participation rate | 96.4% | 72.6%+23.8pp | 81.4%+15.0pp | 68.7%+27.7pp |
| Annual return | 3.02% | 12.02%-9.0pp | 26.14%-23.1pp | 2041.45%-2038.4pp |
| Employer contribution / active EE | $5,356 | $2,841+88.5% | $4,608+16.2% | $2,203+143.2% |
| Participant deferral / active EE | $9,738 | $4,783+103.6% | $6,026+61.6% | $3,192+205.1% |
| Admin fee / account holder | $375 | $4,927-92.4% | $8,175-95.4% | $4,297-91.3% |