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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 | $29,581 | $49,025-39.7% | $87,502-66.2% | $62,881-53.0% |
| Participation rate | 82.1% | 64.9%+17.3pp | 73.8%+8.3pp | 69.3%+12.8pp |
| Annual return | 51.32% | 10.02%+41.3pp | 12.21%+39.1pp | 20.14%+31.2pp |
| Employer contribution / active EE | $2,043 | $1,372+48.9% | $2,550-19.9% | $2,281-10.4% |
| Participant deferral / active EE | $5,028 | $2,289+119.6% | $3,149+59.7% | $3,203+57.0% |
| Admin fee / account holder | $1,127 | $4,065-72.3% | $4,221-73.3% | $4,296-73.8% |