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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 | $51,264 | $89,367-42.6% | $141,191-63.7% | $72,975-29.8% |
| Participation rate | 79.6% | 75.1%+4.5pp | 82.5%-2.9pp | 69.5%+10.1pp |
| Annual return | 24.55% | 111.87%-87.3pp | 71.41%-46.9pp | 81.01%-56.5pp |
| Employer contribution / active EE | $3,356 | $3,115+7.7% | $4,736-29.1% | $2,440+37.5% |
| Participant deferral / active EE | $7,159 | $5,419+32.1% | $6,710+6.7% | $3,608+98.4% |
| Admin fee / account holder | $2,626 | $5,957-55.9% | $10,264-74.4% | $5,124-48.7% |