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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 | $57,944 | $78,428-26.1% | $95,960-39.6% | $79,852-27.4% |
| Participation rate | 86.0% | 73.5%+12.6pp | 77.1%+9.0pp | 69.6%+16.4pp |
| Annual return | 21.96% | 19.37%+2.6pp | 91.63%-69.7pp | 31.72%-9.8pp |
| Employer contribution / active EE | $4,330 | $1,945+122.6% | $2,541+70.4% | $2,471+75.2% |
| Participant deferral / active EE | $10,513 | $3,440+205.6% | $4,167+152.3% | $3,740+181.1% |
| Admin fee / account holder | $2,883 | $5,622-48.7% | $6,797-57.6% | $5,306-45.7% |