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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 | $31,095 | $89,367-65.2% | $141,191-78.0% | $72,975-57.4% |
| Participation rate | 81.4% | 75.1%+6.3pp | 82.5%-1.1pp | 69.5%+11.9pp |
| Annual return | 27.76% | 111.87%-84.1pp | 71.41%-43.7pp | 81.01%-53.3pp |
| Employer contribution / active EE | $1,800 | $3,115-42.2% | $4,736-62.0% | $2,440-26.2% |
| Participant deferral / active EE | $5,944 | $5,419+9.7% | $6,710-11.4% | $3,608+64.8% |
| Admin fee / account holder | $1,421 | $5,957-76.1% | $10,264-86.2% | $5,124-72.3% |