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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 | $26,356 | $89,367-70.5% | $141,191-81.3% | $72,975-63.9% |
| Participation rate | 90.3% | 75.1%+15.2pp | 82.5%+7.8pp | 69.5%+20.8pp |
| Annual return | 29.01% | 111.87%-82.9pp | 71.41%-42.4pp | 81.01%-52.0pp |
| Employer contribution / active EE | $2,194 | $3,115-29.5% | $4,736-53.7% | $2,440-10.1% |
| Participant deferral / active EE | $4,352 | $5,419-19.7% | $6,710-35.1% | $3,608+20.6% |
| Admin fee / account holder | $1,916 | $5,957-67.8% | $10,264-81.3% | $5,124-62.6% |