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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 | $58,345 | $105,200-44.5% | $159,474-63.4% | $85,847-32.0% |
| Participation rate | 84.6% | 75.8%+8.8pp | 82.8%+1.8pp | 69.3%+15.3pp |
| Annual return | 15.40% | 45.08%-29.7pp | 263.68%-248.3pp | 318.61%-303.2pp |
| Employer contribution / active EE | $7,824 | $3,319+135.7% | $4,831+62.0% | $2,565+205.0% |
| Participant deferral / active EE | $14,780 | $5,946+148.6% | $7,353+101.0% | $3,952+274.0% |
| Admin fee / account holder | $2,406 | $6,934-65.3% | $10,802-77.7% | $6,261-61.6% |