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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 | $54,267 | $99,957-45.7% | $149,730-63.8% | $73,493-26.2% |
| Participation rate | 83.3% | 75.7%+7.6pp | 82.5%+0.9pp | 70.7%+12.7pp |
| Annual return | 24.86% | 53.87%-29.0pp | 276.70%-251.8pp | 28.51%-3.7pp |
| Employer contribution / active EE | $3,815 | $3,191+19.6% | $4,645-17.9% | $2,270+68.1% |
| Participant deferral / active EE | $10,897 | $6,073+79.4% | $6,843+59.2% | $3,740+191.4% |
| Admin fee / account holder | $3,418 | $551+520.7% | $9,310-63.3% | $513+566.2% |