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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 | $23,919 | $77,920-69.3% | $149,723-84.0% | $75,177-68.2% |
| Participation rate | 73.1% | 65.6%+7.5pp | 78.8%-5.7pp | 67.2%+5.9pp |
| Annual return | 81.83% | 31.72%+50.1pp | 134.50%-52.7pp | 160.75%-78.9pp |
| Employer contribution / active EE | $3,451 | $3,138+10.0% | $4,821-28.4% | $2,671+29.2% |
| Participant deferral / active EE | $4,988 | $3,411+46.2% | $5,682-12.2% | $4,126+20.9% |
| Admin fee / account holder | $4,865 | $5,951-18.2% | $13,215-63.2% | $5,651-13.9% |