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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 | $57,768 | $89,370-35.4% | $141,197-59.1% | $72,976-20.8% |
| Participation rate | 96.3% | 75.1%+21.2pp | 82.5%+13.8pp | 69.5%+26.8pp |
| Annual return | 24.37% | 111.88%-87.5pp | 71.41%-47.0pp | 81.02%-56.6pp |
| Employer contribution / active EE | $2,480 | $3,115-20.4% | $4,736-47.6% | $2,440+1.6% |
| Participant deferral / active EE | $5,938 | $5,419+9.6% | $6,710-11.5% | $3,608+64.6% |
| Admin fee / account holder | $4,614 | $5,957-22.5% | $10,265-55.0% | $5,124-10.0% |