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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 | $104,761 | $84,236+24.4% | $170,435-38.5% | $70,126+49.4% |
| Participation rate | 81.4% | 70.8%+10.6pp | 83.6%-2.2pp | 69.5%+11.9pp |
| Annual return | 21.57% | 23.06%-1.5pp | 205.94%-184.4pp | 73.15%-51.6pp |
| Employer contribution / active EE | $504 | $3,387-85.1% | $5,432-90.7% | $2,343-78.5% |
| Participant deferral / active EE | $5,390 | $3,086+74.7% | $4,939+9.1% | $3,332+61.8% |
| Admin fee / account holder | $3,803 | $5,698-33.3% | $13,881-72.6% | $4,645-18.1% |