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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 | $58,326 | $97,125-39.9% | $86,233-32.4% | $137,256-57.5% |
| Participation rate | 90.0% | 74.2%+15.8pp | 69.0%+21.0pp | 80.0%+10.0pp |
| Annual return | 13.27% | 74.19%-60.9pp | 61.39%-48.1pp | 220.34%-207.1pp |
| Employer contribution / active EE | $1,325 | $2,841-53.4% | $2,504-47.1% | $4,156-68.1% |
| Participant deferral / active EE | $2,767 | $5,180-46.6% | $4,559-39.3% | $6,407-56.8% |
| Admin fee / account holder | $4,406 | $9,725-54.7% | $8,342-47.2% | $12,270-64.1% |