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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 | $49,843 | $68,681-27.4% | $86,625-42.5% | $85,851-41.9% |
| Participation rate | 87.0% | 66.4%+20.6pp | 71.6%+15.3pp | 69.3%+17.6pp |
| Annual return | 12.26% | 20.12%-7.9pp | 63.52%-51.3pp | 318.63%-306.4pp |
| Employer contribution / active EE | $2,300 | $1,880+22.3% | $2,496-7.9% | $2,565-10.4% |
| Participant deferral / active EE | $5,235 | $2,919+79.3% | $3,700+41.5% | $3,952+32.5% |
| Admin fee / account holder | $4,410 | $5,974-26.2% | $5,830-24.4% | $6,261-29.6% |