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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 | $30,740 | $89,364-65.6% | $141,177-78.2% | $72,983-57.9% |
| Participation rate | 90.7% | 75.1%+15.6pp | 82.5%+8.2pp | 69.5%+21.2pp |
| Annual return | 31.33% | 111.86%-80.5pp | 71.40%-40.1pp | 81.01%-49.7pp |
| Employer contribution / active EE | $3,372 | $3,115+8.3% | $4,736-28.8% | $2,440+38.2% |
| Participant deferral / active EE | $7,928 | $5,419+46.3% | $6,710+18.2% | $3,608+119.8% |
| Admin fee / account holder | $1,751 | $5,959-70.6% | $10,263-82.9% | $5,124-65.8% |