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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 | $44,971 | $88,672-49.3% | $105,223-57.3% | $82,448-45.5% |
| Participation rate | 87.2% | 67.9%+19.3pp | 75.0%+12.1pp | 68.1%+19.1pp |
| Annual return | 24.49% | 30.86%-6.4pp | 180.65%-156.2pp | 41.64%-17.1pp |
| Employer contribution / active EE | $3,312 | $3,048+8.7% | $3,689-10.2% | $2,551+29.8% |
| Participant deferral / active EE | $7,067 | $4,036+75.1% | $5,072+39.3% | $4,139+70.7% |
| Admin fee / account holder | $2,415 | $7,146-66.2% | $8,859-72.7% | $7,234-66.6% |