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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 | $44,208 | $48,364-8.6% | $71,796-38.4% | $62,881-29.7% |
| Participation rate | 97.1% | 60.6%+36.4pp | 69.1%+27.9pp | 69.3%+27.8pp |
| Annual return | 5.89% | 13.16%-7.3pp | 78.04%-72.2pp | 20.14%-14.3pp |
| Employer contribution / active EE | $4,412 | $1,042+323.4% | $1,924+129.3% | $2,281+93.4% |
| Participant deferral / active EE | $2,433 | $2,091+16.4% | $2,794-12.9% | $3,203-24.0% |
| Admin fee / account holder | $5,441 | $3,771+44.3% | $4,815+13.0% | $4,296+26.7% |