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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 | $28,204 | $102,385-72.5% | $147,080-80.8% | $80,935-65.2% |
| Participation rate | 97.7% | 75.9%+21.8pp | 82.2%+15.5pp | 67.7%+30.0pp |
| Annual return | 14.35% | 135.09%-120.7pp | 420.17%-405.8pp | 35.66%-21.3pp |
| Employer contribution / active EE | $4,882 | $3,717+31.4% | $4,933-1.0% | $2,757+77.1% |
| Participant deferral / active EE | $15,030 | $6,651+126.0% | $8,066+86.3% | $4,299+249.6% |
| Admin fee / account holder | $6,495 | $7,951-18.3% | $12,989-50.0% | $6,924-6.2% |