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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 | $35,161 | $65,246-46.1% | $98,716-64.4% | $67,986-48.3% |
| Participation rate | 87.8% | 51.4%+36.4pp | 69.3%+18.5pp | 57.2%+30.6pp |
| Annual return | 63.89% | 20.58%+43.3pp | 31.81%+32.1pp | 31.67%+32.2pp |
| Employer contribution / active EE | $2,850 | $1,042+173.5% | $2,279+25.1% | $2,019+41.2% |
| Participant deferral / active EE | $6,715 | $2,594+158.8% | $4,048+65.9% | $3,358+100.0% |
| Admin fee / account holder | $2,557 | $4,561-43.9% | $8,703-70.6% | $3,203-20.2% |