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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 | $45,294 | $89,367-49.3% | $141,191-67.9% | $72,975-37.9% |
| Participation rate | 83.3% | 75.1%+8.2pp | 82.5%+0.9pp | 69.5%+13.8pp |
| Annual return | 25.37% | 111.87%-86.5pp | 71.41%-46.0pp | 81.01%-55.6pp |
| Employer contribution / active EE | $2,402 | $3,115-22.9% | $4,736-49.3% | $2,440-1.6% |
| Participant deferral / active EE | $4,924 | $5,419-9.1% | $6,710-26.6% | $3,608+36.5% |
| Admin fee / account holder | $2,716 | $5,957-54.4% | $10,264-73.5% | $5,124-47.0% |