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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 | $53,224 | $77,638-31.4% | $156,551-66.0% | $62,881-15.4% |
| Participation rate | 80.0% | 71.2%+8.8pp | 84.0%-4.0pp | 69.3%+10.7pp |
| Annual return | 4.79% | 50.33%-45.5pp | 32.23%-27.4pp | 20.14%-15.4pp |
| Employer contribution / active EE | $4,124 | $3,444+19.7% | $5,501-25.0% | $2,281+80.8% |
| Participant deferral / active EE | $2,112 | $3,046-30.7% | $4,871-56.6% | $3,203-34.1% |
| Admin fee / account holder | $1,099 | $5,561-80.2% | $13,028-91.6% | $4,296-74.4% |