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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 | $53,814 | $103,000-47.8% | $90,300-40.4% | $152,885-64.8% |
| Participation rate | 94.7% | 75.9%+18.9pp | 73.3%+21.5pp | 82.5%+12.3pp |
| Annual return | 22.68% | 95.19%-72.5pp | 78.11%-55.4pp | 345.39%-322.7pp |
| Employer contribution / active EE | $2,378 | $3,138-24.2% | $2,854-16.7% | $4,763-50.1% |
| Participant deferral / active EE | $4,711 | $4,281+10.1% | $3,884+21.3% | $5,851-19.5% |
| Admin fee / account holder | $693 | $6,173-88.8% | $5,353-87.1% | $11,598-94.0% |