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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 | $131,670 | $85,171+54.6% | $172,753-23.8% | $72,976+80.4% |
| Participation rate | 77.4% | 70.1%+7.4pp | 82.6%-5.2pp | 69.5%+7.9pp |
| Annual return | 21.15% | 27.32%-6.2pp | 803.00%-781.9pp | 81.02%-59.9pp |
| Employer contribution / active EE | $2,380 | $3,324-28.4% | $5,144-53.7% | $2,440-2.4% |
| Participant deferral / active EE | $5,696 | $3,260+74.7% | $5,198+9.6% | $3,608+57.9% |
| Admin fee / account holder | $3,670 | $5,880-37.6% | $13,956-73.7% | $5,124-28.4% |