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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 | $75,740 | $89,370-15.3% | $141,197-46.4% | $72,976+3.8% |
| Participation rate | 84.4% | 75.1%+9.2pp | 82.5%+1.9pp | 69.5%+14.9pp |
| Annual return | 22.60% | 111.88%-89.3pp | 71.41%-48.8pp | 81.02%-58.4pp |
| Employer contribution / active EE | $5,186 | $3,115+66.5% | $4,736+9.5% | $2,440+112.5% |
| Participant deferral / active EE | $5,649 | $5,419+4.2% | $6,710-15.8% | $3,608+56.6% |
| Admin fee / account holder | $508 | $5,957-91.5% | $10,265-95.1% | $5,124-90.1% |