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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 | $22,596 | $108,882-79.2% | $96,754-76.6% | $154,746-85.4% |
| Participation rate | 87.5% | 75.1%+12.4pp | 70.3%+17.2pp | 80.7%+6.8pp |
| Annual return | 15.43% | 98.39%-83.0pp | 82.04%-66.6pp | 172.34%-156.9pp |
| Employer contribution / active EE | $6,138 | $3,018+103.4% | $2,679+129.1% | $4,379+40.2% |
| Participant deferral / active EE | $2,155 | $5,323-59.5% | $4,758-54.7% | $6,730-68.0% |
| Admin fee / account holder | $8,306 | $10,200-18.6% | $8,905-6.7% | $14,365-42.2% |