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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 | $42,137 | $89,370-52.9% | $141,197-70.2% | $72,976-42.3% |
| Participation rate | 93.3% | 75.1%+18.2pp | 82.5%+10.9pp | 69.5%+23.8pp |
| Annual return | 21.99% | 111.88%-89.9pp | 71.41%-49.4pp | 81.02%-59.0pp |
| Employer contribution / active EE | $3,333 | $3,115+7.0% | $4,736-29.6% | $2,440+36.6% |
| Participant deferral / active EE | $5,650 | $5,419+4.3% | $6,710-15.8% | $3,608+56.6% |
| Admin fee / account holder | $976 | $5,957-83.6% | $10,265-90.5% | $5,124-81.0% |