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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 | $36,484 | $98,760-63.1% | $149,715-75.6% | $79,858-54.3% |
| Participation rate | 84.5% | 75.8%+8.8pp | 82.5%+2.1pp | 69.6%+14.9pp |
| Annual return | 23.87% | 27.43%-3.6pp | 276.66%-252.8pp | 31.72%-7.9pp |
| Employer contribution / active EE | $4,180 | $3,217+29.9% | $4,645-10.0% | $2,471+69.2% |
| Participant deferral / active EE | $7,874 | $5,681+38.6% | $6,842+15.1% | $3,740+110.5% |
| Admin fee / account holder | $447 | $6,053-92.6% | $9,310-95.2% | $5,306-91.6% |