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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 | $56,137 | $95,415-41.2% | $185,851-69.8% | $85,851-34.6% |
| Participation rate | 86.4% | 68.8%+17.6pp | 81.7%+4.7pp | 69.3%+17.0pp |
| Annual return | 23.95% | 23.59%+0.4pp | 122.11%-98.2pp | 318.63%-294.7pp |
| Employer contribution / active EE | $4,788 | $3,314+44.5% | $5,168-7.4% | $2,565+86.6% |
| Participant deferral / active EE | $5,338 | $3,424+55.9% | $5,569-4.1% | $3,952+35.0% |
| Admin fee / account holder | $889 | $7,215-87.7% | $16,245-94.5% | $6,261-85.8% |