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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 | $33,388 | $105,200-68.3% | $159,474-79.1% | $85,847-61.1% |
| Participation rate | 83.6% | 75.8%+7.9pp | 82.8%+0.8pp | 69.3%+14.3pp |
| Annual return | 16.38% | 45.08%-28.7pp | 263.68%-247.3pp | 318.61%-302.2pp |
| Employer contribution / active EE | $2,050 | $3,319-38.2% | $4,831-57.6% | $2,565-20.1% |
| Participant deferral / active EE | $4,379 | $5,946-26.4% | $7,353-40.5% | $3,952+10.8% |
| Admin fee / account holder | $1,059 | $6,934-84.7% | $10,802-90.2% | $6,261-83.1% |