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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 | $56,970 | $78,428-27.4% | $95,960-40.6% | $79,852-28.7% |
| Participation rate | 92.5% | 73.5%+19.0pp | 77.1%+15.4pp | 69.6%+22.9pp |
| Annual return | 14.39% | 19.37%-5.0pp | 91.63%-77.2pp | 31.72%-17.3pp |
| Employer contribution / active EE | $3,721 | $1,945+91.3% | $2,541+46.4% | $2,471+50.6% |
| Participant deferral / active EE | $3,224 | $3,440-6.3% | $4,167-22.6% | $3,740-13.8% |
| Admin fee / account holder | $990 | $5,622-82.4% | $6,797-85.4% | $5,306-81.3% |