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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 | $58,212 | $85,171-31.7% | $172,752-66.3% | $72,975-20.2% |
| Participation rate | 97.0% | 70.1%+26.9pp | 82.6%+14.3pp | 69.5%+27.5pp |
| Annual return | 18.59% | 27.32%-8.7pp | 802.97%-784.4pp | 81.01%-62.4pp |
| Employer contribution / active EE | $2,276 | $3,324-31.5% | $5,144-55.7% | $2,440-6.7% |
| Participant deferral / active EE | $6,005 | $3,260+84.2% | $5,198+15.5% | $3,608+66.4% |
| Admin fee / account holder | $10,764 | $5,880+83.0% | $13,955-22.9% | $5,124+110.1% |