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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 | $24,286 | $89,367-72.8% | $141,191-82.8% | $72,975-66.7% |
| Participation rate | 94.7% | 75.1%+19.6pp | 82.5%+12.3pp | 69.5%+25.2pp |
| Annual return | 26.18% | 111.87%-85.7pp | 71.41%-45.2pp | 81.01%-54.8pp |
| Employer contribution / active EE | $2,529 | $3,115-18.8% | $4,736-46.6% | $2,440+3.6% |
| Participant deferral / active EE | $5,762 | $5,419+6.3% | $6,710-14.1% | $3,608+59.7% |
| Admin fee / account holder | $758 | $5,957-87.3% | $10,264-92.6% | $5,124-85.2% |