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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 | $34,780 | $124,346-72.0% | $111,308-68.8% | $167,536-79.2% |
| Participation rate | 88.9% | 79.6%+9.3pp | 77.3%+11.6pp | 82.1%+6.8pp |
| Annual return | 14.81% | 37.45%-22.6pp | 54.67%-39.9pp | 478.82%-464.0pp |
| Employer contribution / active EE | $3,191 | $3,437-7.2% | $2,732+16.8% | $4,839-34.1% |
| Participant deferral / active EE | $6,558 | $5,182+26.6% | $4,487+46.1% | $6,342+3.4% |
| Admin fee / account holder | $390 | $10,621-96.3% | $7,965-95.1% | $12,315-96.8% |