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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 | $31,766 | $89,367-64.5% | $141,191-77.5% | $72,975-56.5% |
| Participation rate | 89.1% | 75.1%+14.0pp | 82.5%+6.7pp | 69.5%+19.6pp |
| Annual return | 32.26% | 111.87%-79.6pp | 71.41%-39.2pp | 81.01%-48.8pp |
| Employer contribution / active EE | $2,288 | $3,115-26.5% | $4,736-51.7% | $2,440-6.2% |
| Participant deferral / active EE | $4,761 | $5,419-12.1% | $6,710-29.0% | $3,608+32.0% |
| Admin fee / account holder | $846 | $5,957-85.8% | $10,264-91.8% | $5,124-83.5% |