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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 | $59,082 | $91,552-35.5% | $133,956-55.9% | $79,860-26.0% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.6%+30.4pp |
| Annual return | 18.50% | 61.85%-43.3pp | 45.09%-26.6pp | 31.72%-13.2pp |
| Employer contribution / active EE | $2,486 | $2,384+4.3% | $3,919-36.6% | $2,471+0.6% |
| Participant deferral / active EE | $7,435 | $3,733+99.1% | $5,048+47.3% | $3,740+98.8% |
| Admin fee / account holder | $920 | $6,321-85.4% | $8,927-89.7% | $5,306-82.7% |