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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 | $36,717 | $89,364-58.9% | $141,177-74.0% | $72,983-49.7% |
| Participation rate | 80.0% | 75.1%+4.9pp | 82.5%-2.5pp | 69.5%+10.5pp |
| Annual return | 28.47% | 111.86%-83.4pp | 71.40%-42.9pp | 81.01%-52.5pp |
| Employer contribution / active EE | $3,009 | $3,115-3.4% | $4,736-36.4% | $2,440+23.3% |
| Participant deferral / active EE | $8,526 | $5,419+57.3% | $6,710+27.1% | $3,608+136.3% |
| Admin fee / account holder | $867 | $5,959-85.4% | $10,263-91.6% | $5,124-83.1% |