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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 | $29,087 | $89,367-67.5% | $141,191-79.4% | $72,975-60.1% |
| Participation rate | 92.2% | 75.1%+17.1pp | 82.5%+9.7pp | 69.5%+22.7pp |
| Annual return | 23.59% | 111.87%-88.3pp | 71.41%-47.8pp | 81.01%-57.4pp |
| Employer contribution / active EE | $1,330 | $3,115-57.3% | $4,736-71.9% | $2,440-45.5% |
| Participant deferral / active EE | $4,031 | $5,419-25.6% | $6,710-39.9% | $3,608+11.7% |
| Admin fee / account holder | $1,132 | $5,957-81.0% | $10,264-89.0% | $5,124-77.9% |