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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 | $28,739 | $106,749-73.1% | $145,433-80.2% | $82,448-65.1% |
| Participation rate | 87.5% | 75.6%+11.9pp | 82.1%+5.4pp | 68.1%+19.4pp |
| Annual return | 42.32% | 27.59%+14.7pp | 66.58%-24.3pp | 41.64%+0.7pp |
| Employer contribution / active EE | $1,606 | $3,444-53.4% | $4,554-64.7% | $2,551-37.0% |
| Participant deferral / active EE | $3,815 | $6,519-41.5% | $7,897-51.7% | $4,139-7.8% |
| Admin fee / account holder | $2,759 | $8,390-67.1% | $13,129-79.0% | $7,234-61.9% |