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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 | $29,673 | $89,370-66.8% | $141,197-79.0% | $72,976-59.3% |
| Participation rate | 92.0% | 75.1%+16.9pp | 82.5%+9.5pp | 69.5%+22.5pp |
| Annual return | 27.00% | 111.88%-84.9pp | 71.41%-44.4pp | 81.02%-54.0pp |
| Employer contribution / active EE | $3,283 | $3,115+5.4% | $4,736-30.7% | $2,440+34.5% |
| Participant deferral / active EE | $7,361 | $5,419+35.8% | $6,710+9.7% | $3,608+104.0% |
| Admin fee / account holder | $494 | $5,957-91.7% | $10,265-95.2% | $5,124-90.4% |