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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 | $46,225 | $100,805-54.1% | $86,698-46.7% | $134,532-65.6% |
| Participation rate | 88.2% | 79.0%+9.3pp | 76.6%+11.6pp | 81.2%+7.0pp |
| Annual return | 18.33% | 29.09%-10.8pp | 35.95%-17.6pp | 418.27%-399.9pp |
| Employer contribution / active EE | $4,528 | $3,490+29.7% | $2,837+59.6% | $4,741-4.5% |
| Participant deferral / active EE | $7,196 | $5,339+34.8% | $4,656+54.5% | $6,401+12.4% |
| Admin fee / account holder | $5,275 | $10,925-51.7% | $7,493-29.6% | $11,429-53.8% |