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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 | $57,295 | $105,210-45.5% | $159,487-64.1% | $85,851-33.3% |
| Participation rate | 87.2% | 75.8%+11.4pp | 82.8%+4.3pp | 69.3%+17.9pp |
| Annual return | 45.90% | 45.08%+0.8pp | 263.71%-217.8pp | 318.63%-272.7pp |
| Employer contribution / active EE | $4,422 | $3,319+33.2% | $4,831-8.5% | $2,565+72.4% |
| Participant deferral / active EE | $12,996 | $5,946+118.6% | $7,354+76.7% | $3,952+228.8% |
| Admin fee / account holder | $2,987 | $6,934-56.9% | $10,804-72.4% | $6,261-52.3% |