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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 | $34,503 | $65,364-47.2% | $92,909-62.9% | $72,975-52.7% |
| Participation rate | 75.0% | 68.3%+6.7pp | 76.0%-1.0pp | 69.5%+5.5pp |
| Annual return | 25.42% | 42.11%-16.7pp | 109.44%-84.0pp | 81.01%-55.6pp |
| Employer contribution / active EE | $20,870 | $2,594+704.5% | $3,653+471.3% | $2,440+755.3% |
| Participant deferral / active EE | $2,251 | $3,128-28.1% | $4,238-46.9% | $3,608-37.6% |
| Admin fee / account holder | $1,988 | $4,251-53.2% | $5,795-65.7% | $5,124-61.2% |