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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 | $38,791 | $98,766-60.7% | $149,730-74.1% | $79,852-51.4% |
| Participation rate | 89.8% | 75.8%+14.0pp | 82.5%+7.3pp | 69.6%+20.2pp |
| Annual return | 24.51% | 27.43%-2.9pp | 276.70%-252.2pp | 31.72%-7.2pp |
| Employer contribution / active EE | $3,190 | $3,217-0.8% | $4,645-31.3% | $2,471+29.1% |
| Participant deferral / active EE | $7,600 | $5,681+33.8% | $6,843+11.1% | $3,740+103.2% |
| Admin fee / account holder | $624 | $6,052-89.7% | $9,310-93.3% | $5,306-88.2% |