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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 | $34,750 | $115,814-70.0% | $101,275-65.7% | $158,982-78.1% |
| Participation rate | 94.7% | 79.4%+15.4pp | 75.8%+18.9pp | 82.0%+12.8pp |
| Annual return | 12.12% | 56.16%-44.0pp | 46.48%-34.4pp | 302.99%-290.9pp |
| Employer contribution / active EE | $2,928 | $4,176-29.9% | $3,660-20.0% | $4,763-38.5% |
| Participant deferral / active EE | $6,399 | $4,958+29.1% | $4,371+46.4% | $5,983+6.9% |
| Admin fee / account holder | $2,103 | $7,249-71.0% | $5,948-64.6% | $11,252-81.3% |