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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 | $29,559 | $89,370-66.9% | $141,197-79.1% | $72,976-59.5% |
| Participation rate | 92.6% | 75.1%+17.5pp | 82.5%+10.1pp | 69.5%+23.1pp |
| Annual return | 19.95% | 111.88%-91.9pp | 71.41%-51.5pp | 81.02%-61.1pp |
| Employer contribution / active EE | $3,284 | $3,115+5.4% | $4,736-30.7% | $2,440+34.6% |
| Participant deferral / active EE | $7,258 | $5,419+34.0% | $6,710+8.2% | $3,608+101.2% |
| Admin fee / account holder | $7,098 | $5,957+19.2% | $10,265-30.8% | $5,124+38.5% |