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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 | $14,861 | $51,202-71.0% | $70,548-78.9% | $75,181-80.2% |
| Participation rate | 86.4% | 61.0%+25.4pp | 68.3%+18.0pp | 67.2%+19.2pp |
| Annual return | 61.42% | 30.05%+31.4pp | 32.78%+28.6pp | 160.69%-99.3pp |
| Employer contribution / active EE | $3,615 | $1,827+97.9% | $2,975+21.5% | $2,671+35.4% |
| Participant deferral / active EE | $5,513 | $2,850+93.4% | $4,567+20.7% | $4,126+33.6% |
| Admin fee / account holder | $2,927 | $4,094-28.5% | $6,424-54.4% | $5,650-48.2% |