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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 | $46,106 | $53,128-13.2% | $86,581-46.7% | $70,124-34.3% |
| Participation rate | 88.9% | 65.3%+23.6pp | 73.5%+15.3pp | 69.5%+19.3pp |
| Annual return | 14.44% | 27.66%-13.2pp | 965.06%-950.6pp | 73.14%-58.7pp |
| Employer contribution / active EE | $5,873 | $2,068+184.0% | $2,840+106.8% | $2,342+150.7% |
| Participant deferral / active EE | $4,210 | $2,695+56.2% | $3,609+16.7% | $3,332+26.4% |
| Admin fee / account holder | $692 | $3,584-80.7% | $4,904-85.9% | $4,645-85.1% |