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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 | $32,141 | $63,861-49.7% | $104,625-69.3% | $79,852-59.7% |
| Participation rate | 96.4% | 64.9%+31.5pp | 74.1%+22.4pp | 69.6%+26.8pp |
| Annual return | 13.70% | 21.30%-7.6pp | 340.60%-326.9pp | 31.72%-18.0pp |
| Employer contribution / active EE | $9,424 | $1,588+493.3% | $2,681+251.4% | $2,471+281.4% |
| Participant deferral / active EE | $4,293 | $2,693+59.4% | $3,738+14.9% | $3,740+14.8% |
| Admin fee / account holder | $480 | $4,185-88.5% | $6,465-92.6% | $5,306-91.0% |