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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 | $128,273 | $89,370+43.5% | $141,197-9.2% | $72,976+75.8% |
| Participation rate | 79.5% | 75.1%+4.4pp | 82.5%-2.9pp | 69.5%+10.1pp |
| Annual return | 22.58% | 111.88%-89.3pp | 71.41%-48.8pp | 81.02%-58.4pp |
| Employer contribution / active EE | $2,079 | $3,115-33.3% | $4,736-56.1% | $2,440-14.8% |
| Participant deferral / active EE | $9,102 | $5,419+68.0% | $6,710+35.6% | $3,608+152.3% |
| Admin fee / account holder | $592 | $5,957-90.1% | $10,265-94.2% | $5,124-88.4% |