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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 | $63,214 | $89,367-29.3% | $141,191-55.2% | $72,975-13.4% |
| Participation rate | 80.6% | 75.1%+5.5pp | 82.5%-1.8pp | 69.5%+11.2pp |
| Annual return | 21.74% | 111.87%-90.1pp | 71.41%-49.7pp | 81.01%-59.3pp |
| Employer contribution / active EE | $2,591 | $3,115-16.8% | $4,736-45.3% | $2,440+6.2% |
| Participant deferral / active EE | $5,833 | $5,419+7.6% | $6,710-13.1% | $3,608+61.7% |
| Admin fee / account holder | $7,762 | $5,957+30.3% | $10,264-24.4% | $5,124+51.5% |