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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 | $28,106 | $89,370-68.6% | $141,197-80.1% | $72,976-61.5% |
| Participation rate | 80.0% | 75.1%+4.9pp | 82.5%-2.5pp | 69.5%+10.5pp |
| Annual return | 26.07% | 111.88%-85.8pp | 71.41%-45.3pp | 81.02%-54.9pp |
| Employer contribution / active EE | $3,110 | $3,115-0.2% | $4,736-34.3% | $2,440+27.4% |
| Participant deferral / active EE | $5,843 | $5,419+7.8% | $6,710-12.9% | $3,608+62.0% |
| Admin fee / account holder | $1,826 | $5,957-69.3% | $10,265-82.2% | $5,124-64.4% |