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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 | $43,182 | $77,908-44.6% | $149,696-71.2% | $75,173-42.6% |
| Participation rate | 89.3% | 65.6%+23.7pp | 78.8%+10.5pp | 67.2%+22.1pp |
| Annual return | 25.10% | 31.73%-6.6pp | 134.46%-109.4pp | 160.72%-135.6pp |
| Employer contribution / active EE | $7,112 | $3,138+126.7% | $4,821+47.5% | $2,671+166.3% |
| Participant deferral / active EE | $5,126 | $3,411+50.3% | $5,682-9.8% | $4,126+24.2% |
| Admin fee / account holder | $858 | $5,950-85.6% | $13,212-93.5% | $5,651-84.8% |