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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 | $47,034 | $89,370-47.4% | $141,197-66.7% | $72,976-35.5% |
| Participation rate | 84.6% | 75.1%+9.5pp | 82.5%+2.1pp | 69.5%+15.1pp |
| Annual return | 25.04% | 111.88%-86.8pp | 71.41%-46.4pp | 81.02%-56.0pp |
| Employer contribution / active EE | $2,209 | $3,115-29.1% | $4,736-53.4% | $2,440-9.5% |
| Participant deferral / active EE | $7,135 | $5,419+31.7% | $6,710+6.3% | $3,608+97.8% |
| Admin fee / account holder | $2,484 | $5,957-58.3% | $10,265-75.8% | $5,124-51.5% |