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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 | $39,023 | $83,485-53.3% | $125,195-68.8% | $72,976-46.5% |
| Participation rate | 81.6% | 73.3%+8.3pp | 79.8%+1.9pp | 69.5%+12.1pp |
| Annual return | 77.92% | 25.77%+52.1pp | 43.79%+34.1pp | 81.02%-3.1pp |
| Employer contribution / active EE | $2,521 | $2,346+7.5% | $3,866-34.8% | $2,440+3.3% |
| Participant deferral / active EE | $2,351 | $3,586-34.5% | $4,937-52.4% | $3,608-34.8% |
| Admin fee / account holder | $7,110 | $5,518+28.9% | $9,704-26.7% | $5,124+38.8% |