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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 | $53,748 | $91,086-41.0% | $203,872-73.6% | $86,983-38.2% |
| Participation rate | 90.6% | 65.8%+24.8pp | 77.8%+12.8pp | 69.5%+21.1pp |
| Annual return | 21.35% | 22.30%-0.9pp | 85.11%-63.8pp | 25.83%-4.5pp |
| Employer contribution / active EE | $2,592 | $2,063+25.6% | $3,757-31.0% | $2,584+0.3% |
| Participant deferral / active EE | $6,981 | $4,019+73.7% | $6,388+9.3% | $4,194+66.5% |
| Admin fee / account holder | $2,639 | $8,987-70.6% | $11,730-77.5% | $7,856-66.4% |