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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 | $11,561 | $55,930-79.3% | $76,089-84.8% | $80,925-85.7% |
| Participation rate | 92.9% | 62.1%+30.8pp | 69.1%+23.8pp | 67.7%+25.2pp |
| Annual return | 13.91% | 20.58%-6.7pp | 360.94%-347.0pp | 35.65%-21.7pp |
| Employer contribution / active EE | $3,244 | $1,866+73.9% | $2,690+20.6% | $2,756+17.7% |
| Participant deferral / active EE | $5,813 | $3,051+90.6% | $4,259+36.5% | $4,299+35.2% |
| Admin fee / account holder | $2,037 | $5,241-61.1% | $6,418-68.3% | $6,940-70.6% |