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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 | $27,372 | $88,672-69.1% | $105,223-74.0% | $82,448-66.8% |
| Participation rate | 75.9% | 67.9%+7.9pp | 75.0%+0.8pp | 68.1%+7.8pp |
| Annual return | 19.53% | 30.86%-11.3pp | 180.65%-161.1pp | 41.64%-22.1pp |
| Employer contribution / active EE | $3,532 | $3,048+15.9% | $3,689-4.2% | $2,551+38.5% |
| Participant deferral / active EE | $5,491 | $4,036+36.1% | $5,072+8.3% | $4,139+32.7% |
| Admin fee / account holder | $12,638 | $7,146+76.9% | $8,859+42.7% | $7,234+74.7% |