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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 | $60,737 | $90,400-32.8% | $186,193-67.4% | $87,485-30.6% |
| Participation rate | 100.0% | 66.2%+33.8pp | 77.1%+22.9pp | 68.9%+31.1pp |
| Annual return | 37.31% | 22.15%+15.2pp | 78.03%-40.7pp | 26.06%+11.2pp |
| Employer contribution / active EE | $2,932 | $2,170+35.1% | $3,918-25.2% | $2,596+12.9% |
| Participant deferral / active EE | $5,743 | $4,330+32.6% | $6,513-11.8% | $4,274+34.4% |
| Admin fee / account holder | $561 | $8,673-93.5% | $11,058-94.9% | $7,775-92.8% |