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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 | $43,532 | $89,370-51.3% | $141,197-69.2% | $72,976-40.3% |
| Participation rate | 90.2% | 75.1%+15.1pp | 82.5%+7.8pp | 69.5%+20.8pp |
| Annual return | 24.09% | 111.88%-87.8pp | 71.41%-47.3pp | 81.02%-56.9pp |
| Employer contribution / active EE | $5,460 | $3,115+75.3% | $4,736+15.3% | $2,440+123.8% |
| Participant deferral / active EE | $7,078 | $5,419+30.6% | $6,710+5.5% | $3,608+96.2% |
| Admin fee / account holder | $2,038 | $5,957-65.8% | $10,265-80.1% | $5,124-60.2% |