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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 | $79,133 | $89,370-11.5% | $141,197-44.0% | $72,976+8.4% |
| Participation rate | 94.4% | 75.1%+19.3pp | 82.5%+12.0pp | 69.5%+25.0pp |
| Annual return | 21.53% | 111.88%-90.3pp | 71.41%-49.9pp | 81.02%-59.5pp |
| Employer contribution / active EE | $3,811 | $3,115+22.4% | $4,736-19.5% | $2,440+56.2% |
| Participant deferral / active EE | $4,687 | $5,419-13.5% | $6,710-30.2% | $3,608+29.9% |
| Admin fee / account holder | $394 | $5,957-93.4% | $10,265-96.2% | $5,124-92.3% |