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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 | $28,482 | $106,923-73.4% | $84,023-66.1% | $152,909-81.4% |
| Participation rate | 82.4% | 75.3%+7.1pp | 69.0%+13.3pp | 82.5%-0.1pp |
| Annual return | 22.03% | 105.02%-83.0pp | 71.32%-49.3pp | 345.46%-323.4pp |
| Employer contribution / active EE | $2,238 | $2,735-18.2% | $1,984+12.8% | $4,764-53.0% |
| Participant deferral / active EE | $4,535 | $4,013+13.0% | $3,239+40.0% | $5,851-22.5% |
| Admin fee / account holder | $4,912 | $8,289-40.7% | $6,102-19.5% | $11,601-57.7% |