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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 | $38,129 | $89,370-57.3% | $141,197-73.0% | $72,976-47.8% |
| Participation rate | 84.6% | 75.1%+9.5pp | 82.5%+2.1pp | 69.5%+15.1pp |
| Annual return | 31.47% | 111.88%-80.4pp | 71.41%-39.9pp | 81.02%-49.5pp |
| Employer contribution / active EE | $3,167 | $3,115+1.7% | $4,736-33.1% | $2,440+29.8% |
| Participant deferral / active EE | $6,879 | $5,419+27.0% | $6,710+2.5% | $3,608+90.7% |
| Admin fee / account holder | $852 | $5,957-85.7% | $10,265-91.7% | $5,124-83.4% |