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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 | $38,122 | $58,311-34.6% | $81,882-53.4% | $80,959-52.9% |
| Participation rate | 92.1% | 63.5%+28.6pp | 72.4%+19.7pp | 67.7%+24.4pp |
| Annual return | 13.37% | 41.85%-28.5pp | 779.47%-766.1pp | 35.67%-22.3pp |
| Employer contribution / active EE | $3,595 | $2,347+53.2% | $2,916+23.3% | $2,757+30.4% |
| Participant deferral / active EE | $7,100 | $3,287+116.0% | $4,323+64.2% | $4,300+65.1% |
| Admin fee / account holder | $3,564 | $4,752-25.0% | $7,360-51.6% | $6,925-48.5% |