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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 | $37,452 | $89,367-58.1% | $141,191-73.5% | $72,975-48.7% |
| Participation rate | 92.0% | 75.1%+16.9pp | 82.5%+9.5pp | 69.5%+22.5pp |
| Annual return | 26.63% | 111.87%-85.2pp | 71.41%-44.8pp | 81.01%-54.4pp |
| Employer contribution / active EE | $2,128 | $3,115-31.7% | $4,736-55.1% | $2,440-12.8% |
| Participant deferral / active EE | $4,687 | $5,419-13.5% | $6,710-30.1% | $3,608+29.9% |
| Admin fee / account holder | $340 | $5,957-94.3% | $10,264-96.7% | $5,124-93.4% |