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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 | $38,354 | $89,367-57.1% | $141,191-72.8% | $72,975-47.4% |
| Participation rate | 81.8% | 75.1%+6.7pp | 82.5%-0.7pp | 69.5%+12.3pp |
| Annual return | 26.55% | 111.87%-85.3pp | 71.41%-44.9pp | 81.01%-54.5pp |
| Employer contribution / active EE | $2,380 | $3,115-23.6% | $4,736-49.7% | $2,440-2.5% |
| Participant deferral / active EE | $5,273 | $5,419-2.7% | $6,710-21.4% | $3,608+46.2% |
| Admin fee / account holder | $3,060 | $5,957-48.6% | $10,264-70.2% | $5,124-40.3% |