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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 | $35,750 | $98,766-63.8% | $149,730-76.1% | $79,852-55.2% |
| Participation rate | 80.6% | 75.8%+4.8pp | 82.5%-1.9pp | 69.6%+10.9pp |
| Annual return | 42.50% | 27.43%+15.1pp | 276.70%-234.2pp | 31.72%+10.8pp |
| Employer contribution / active EE | $3,335 | $3,217+3.7% | $4,645-28.2% | $2,471+35.0% |
| Participant deferral / active EE | $7,340 | $5,681+29.2% | $6,843+7.3% | $3,740+96.2% |
| Admin fee / account holder | $2,307 | $6,052-61.9% | $9,310-75.2% | $5,306-56.5% |