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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 | $32,356 | $98,766-67.2% | $149,730-78.4% | $79,852-59.5% |
| Participation rate | 90.6% | 75.8%+14.8pp | 82.5%+8.1pp | 69.6%+21.0pp |
| Annual return | 25.05% | 27.43%-2.4pp | 276.70%-251.6pp | 31.72%-6.7pp |
| Employer contribution / active EE | $6,382 | $3,217+98.4% | $4,645+37.4% | $2,471+158.3% |
| Participant deferral / active EE | $7,095 | $5,681+24.9% | $6,843+3.7% | $3,740+89.7% |
| Admin fee / account holder | $1,108 | $6,052-81.7% | $9,310-88.1% | $5,306-79.1% |