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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 | $70,707 | $89,367-20.9% | $141,191-49.9% | $72,975-3.1% |
| Participation rate | 86.4% | 75.1%+11.2pp | 82.5%+3.9pp | 69.5%+16.9pp |
| Annual return | 31.17% | 111.87%-80.7pp | 71.41%-40.2pp | 81.01%-49.8pp |
| Employer contribution / active EE | $3,915 | $3,115+25.7% | $4,736-17.3% | $2,440+60.4% |
| Participant deferral / active EE | $5,807 | $5,419+7.2% | $6,710-13.5% | $3,608+61.0% |
| Admin fee / account holder | $2,045 | $5,957-65.7% | $10,264-80.1% | $5,124-60.1% |