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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 | $44,429 | $77,920-43.0% | $149,723-70.3% | $75,177-40.9% |
| Participation rate | 88.1% | 65.6%+22.5pp | 78.8%+9.3pp | 67.2%+20.9pp |
| Annual return | 16.68% | 31.72%-15.0pp | 134.50%-117.8pp | 160.75%-144.1pp |
| Employer contribution / active EE | $5,982 | $3,138+90.6% | $4,821+24.1% | $2,671+123.9% |
| Participant deferral / active EE | $3,841 | $3,411+12.6% | $5,682-32.4% | $4,126-6.9% |
| Admin fee / account holder | $1,148 | $5,951-80.7% | $13,215-91.3% | $5,651-79.7% |