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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 | $35,594 | $106,923-66.7% | $84,023-57.6% | $152,909-76.7% |
| Participation rate | 88.9% | 75.3%+13.6pp | 69.0%+19.9pp | 82.5%+6.4pp |
| Annual return | 66.29% | 105.02%-38.7pp | 71.32%-5.0pp | 345.46%-279.2pp |
| Employer contribution / active EE | $1,835 | $2,735-32.9% | $1,984-7.5% | $4,764-61.5% |
| Participant deferral / active EE | $8,157 | $4,013+103.3% | $3,239+151.8% | $5,851+39.4% |
| Admin fee / account holder | $424 | $8,289-94.9% | $6,102-93.1% | $11,601-96.3% |