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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 | $42,224 | $107,941-60.9% | $91,994-54.1% | $152,897-72.4% |
| Participation rate | 86.7% | 81.2%+5.5pp | 78.6%+8.0pp | 82.5%+4.2pp |
| Annual return | 26.65% | 89.28%-62.6pp | 69.04%-42.4pp | 345.43%-318.8pp |
| Employer contribution / active EE | $3,859 | $4,212-8.4% | $3,453+11.8% | $4,764-19.0% |
| Participant deferral / active EE | $7,028 | $6,366+10.4% | $5,924+18.6% | $5,851+20.1% |
| Admin fee / account holder | $886 | $10,521-91.6% | $7,744-88.6% | $11,599-92.4% |