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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 | $40,397 | $55,889-27.7% | $76,119-46.9% | $80,935-50.1% |
| Participation rate | 96.3% | 62.1%+34.2pp | 69.1%+27.2pp | 67.7%+28.6pp |
| Annual return | 13.53% | 20.58%-7.0pp | 361.25%-347.7pp | 35.66%-22.1pp |
| Employer contribution / active EE | $12,245 | $1,866+556.2% | $2,693+354.8% | $2,757+344.2% |
| Participant deferral / active EE | $5,077 | $3,051+66.4% | $4,259+19.2% | $4,299+18.1% |
| Admin fee / account holder | $1,211 | $5,241-76.9% | $6,421-81.1% | $6,924-82.5% |