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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 | $47,948 | $89,370-46.3% | $141,197-66.0% | $72,976-34.3% |
| Participation rate | 89.5% | 75.1%+14.3pp | 82.5%+7.0pp | 69.5%+20.0pp |
| Annual return | 29.40% | 111.88%-82.5pp | 71.41%-42.0pp | 81.02%-51.6pp |
| Employer contribution / active EE | $3,193 | $3,115+2.5% | $4,736-32.6% | $2,440+30.9% |
| Participant deferral / active EE | $5,226 | $5,419-3.6% | $6,710-22.1% | $3,608+44.9% |
| Admin fee / account holder | $1,041 | $5,957-82.5% | $10,265-89.9% | $5,124-79.7% |