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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 | $34,925 | $89,367-60.9% | $141,191-75.3% | $72,975-52.1% |
| Participation rate | 96.4% | 75.1%+21.3pp | 82.5%+14.0pp | 69.5%+26.9pp |
| Annual return | 28.01% | 111.87%-83.9pp | 71.41%-43.4pp | 81.01%-53.0pp |
| Employer contribution / active EE | $1,754 | $3,115-43.7% | $4,736-63.0% | $2,440-28.1% |
| Participant deferral / active EE | $8,369 | $5,419+54.5% | $6,710+24.7% | $3,608+132.0% |
| Admin fee / account holder | $3,143 | $5,957-47.2% | $10,264-69.4% | $5,124-38.7% |