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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 | $40,590 | $148,629-72.7% | $135,982-70.2% | $139,487-70.9% |
| Participation rate | 92.3% | 83.9%+8.4pp | 81.9%+10.4pp | 80.3%+12.0pp |
| Annual return | 18.22% | 79.33%-61.1pp | 68.32%-50.1pp | 373.84%-355.6pp |
| Employer contribution / active EE | $2,227 | $5,247-57.6% | $4,859-54.2% | $4,755-53.2% |
| Participant deferral / active EE | $6,330 | $8,102-21.9% | $7,760-18.4% | $6,713-5.7% |
| Admin fee / account holder | $2,249 | $12,406-81.9% | $10,767-79.1% | $11,407-80.3% |