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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 | $40,060 | $89,259-55.1% | $107,187-62.6% | $82,637-51.5% |
| Participation rate | 95.3% | 67.9%+27.4pp | 75.0%+20.3pp | 68.1%+27.3pp |
| Annual return | 16.41% | 21.02%-4.6pp | 204.55%-188.1pp | 53.51%-37.1pp |
| Employer contribution / active EE | $3,207 | $3,080+4.1% | $3,782-15.2% | $2,552+25.6% |
| Participant deferral / active EE | $5,827 | $4,037+44.3% | $5,096+14.3% | $4,126+41.2% |
| Admin fee / account holder | $899 | $7,381-87.8% | $9,162-90.2% | $7,339-87.7% |