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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 | $39,497 | $89,370-55.8% | $141,197-72.0% | $72,976-45.9% |
| Participation rate | 88.5% | 75.1%+13.4pp | 82.5%+6.0pp | 69.5%+19.0pp |
| Annual return | 28.12% | 111.88%-83.8pp | 71.41%-43.3pp | 81.02%-52.9pp |
| Employer contribution / active EE | $2,196 | $3,115-29.5% | $4,736-53.6% | $2,440-10.0% |
| Participant deferral / active EE | $6,969 | $5,419+28.6% | $6,710+3.9% | $3,608+93.2% |
| Admin fee / account holder | $2,037 | $5,957-65.8% | $10,265-80.2% | $5,124-60.3% |