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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 | $36,473 | $89,370-59.2% | $141,197-74.2% | $72,976-50.0% |
| Participation rate | 93.8% | 75.1%+18.6pp | 82.5%+11.3pp | 69.5%+24.3pp |
| Annual return | 19.52% | 111.88%-92.4pp | 71.41%-51.9pp | 81.02%-61.5pp |
| Employer contribution / active EE | $4,746 | $3,115+52.4% | $4,736+0.2% | $2,440+94.5% |
| Participant deferral / active EE | $4,829 | $5,419-10.9% | $6,710-28.0% | $3,608+33.9% |
| Admin fee / account holder | $1,780 | $5,957-70.1% | $10,265-82.7% | $5,124-65.3% |