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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 | $22,545 | $49,177-54.2% | $79,466-71.6% | $64,173-64.9% |
| Participation rate | 97.5% | 65.0%+32.4pp | 73.3%+24.1pp | 69.6%+27.9pp |
| Annual return | 9.92% | -1.16%+11.1pp | 718.28%-708.4pp | 7.63%+2.3pp |
| Employer contribution / active EE | $4,298 | $2,076+107.0% | $2,800+53.5% | $2,381+80.5% |
| Participant deferral / active EE | $7,628 | $2,821+170.4% | $3,704+105.9% | $3,470+119.8% |
| Admin fee / account holder | $3,408 | $3,839-11.2% | $5,104-33.2% | $4,887-30.3% |