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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 | $49,270 | $89,370-44.9% | $141,197-65.1% | $72,976-32.5% |
| Participation rate | 92.9% | 75.1%+17.7pp | 82.5%+10.4pp | 69.5%+23.4pp |
| Annual return | 24.52% | 111.88%-87.4pp | 71.41%-46.9pp | 81.02%-56.5pp |
| Employer contribution / active EE | $4,185 | $3,115+34.3% | $4,736-11.6% | $2,440+71.5% |
| Participant deferral / active EE | $7,138 | $5,419+31.7% | $6,710+6.4% | $3,608+97.9% |
| Admin fee / account holder | $3,118 | $5,957-47.7% | $10,265-69.6% | $5,124-39.2% |