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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 | $41,642 | $94,031-55.7% | $115,768-64.0% | $82,448-49.5% |
| Participation rate | 84.8% | 70.4%+14.4pp | 74.4%+10.5pp | 68.1%+16.8pp |
| Annual return | 18.79% | 20.61%-1.8pp | 100.46%-81.7pp | 41.64%-22.9pp |
| Employer contribution / active EE | $3,472 | $2,323+49.4% | $2,940+18.1% | $2,551+36.1% |
| Participant deferral / active EE | $6,561 | $3,972+65.2% | $4,917+33.4% | $4,139+58.5% |
| Admin fee / account holder | $2,565 | $10,249-75.0% | $12,439-79.4% | $7,234-64.6% |