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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 | $64,174 | $89,367-28.2% | $141,191-54.5% | $72,975-12.1% |
| Participation rate | 87.5% | 75.1%+12.4pp | 82.5%+5.0pp | 69.5%+18.0pp |
| Annual return | 32.38% | 111.87%-79.5pp | 71.41%-39.0pp | 81.01%-48.6pp |
| Employer contribution / active EE | $1,647 | $3,115-47.1% | $4,736-65.2% | $2,440-32.5% |
| Participant deferral / active EE | $5,873 | $5,419+8.4% | $6,710-12.5% | $3,608+62.8% |
| Admin fee / account holder | $3,413 | $5,957-42.7% | $10,264-66.7% | $5,124-33.4% |