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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 | $79,961 | $48,364+65.3% | $71,796+11.4% | $62,881+27.2% |
| Participation rate | 94.4% | 60.6%+33.8pp | 69.1%+25.3pp | 69.3%+25.1pp |
| Annual return | 5.19% | 13.16%-8.0pp | 78.04%-72.9pp | 20.14%-15.0pp |
| Employer contribution / active EE | $1,686 | $1,042+61.8% | $1,924-12.4% | $2,281-26.1% |
| Participant deferral / active EE | $2,463 | $2,091+17.8% | $2,794-11.9% | $3,203-23.1% |
| Admin fee / account holder | $1,439 | $3,771-61.9% | $4,815-70.1% | $4,296-66.5% |