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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 | $45,489 | $98,766-53.9% | $149,730-69.6% | $79,852-43.0% |
| Participation rate | 81.4% | 75.8%+5.6pp | 82.5%-1.1pp | 69.6%+11.8pp |
| Annual return | 29.20% | 27.43%+1.8pp | 276.70%-247.5pp | 31.72%-2.5pp |
| Employer contribution / active EE | $5,076 | $3,217+57.8% | $4,645+9.3% | $2,471+105.4% |
| Participant deferral / active EE | $10,492 | $5,681+84.7% | $6,843+53.3% | $3,740+180.5% |
| Admin fee / account holder | $852 | $6,052-85.9% | $9,310-90.9% | $5,306-84.0% |