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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 | $32,561 | $105,198-69.0% | $159,455-79.6% | $85,856-62.1% |
| Participation rate | 80.3% | 75.8%+4.5pp | 82.8%-2.5pp | 69.3%+11.0pp |
| Annual return | 22.77% | 45.08%-22.3pp | 263.63%-240.9pp | 318.58%-295.8pp |
| Employer contribution / active EE | $3,130 | $3,319-5.7% | $4,830-35.2% | $2,565+22.0% |
| Participant deferral / active EE | $6,195 | $5,946+4.2% | $7,353-15.8% | $3,952+56.7% |
| Admin fee / account holder | $10,283 | $6,934+48.3% | $10,800-4.8% | $6,261+64.3% |