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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 | $58,021 | $91,559-36.6% | $133,978-56.7% | $79,856-27.3% |
| Participation rate | 75.5% | 73.3%+2.2pp | 79.8%-4.3pp | 69.6%+5.9pp |
| Annual return | 20.39% | 61.85%-41.5pp | 45.10%-24.7pp | 31.71%-11.3pp |
| Employer contribution / active EE | $3,445 | $2,384+44.5% | $3,919-12.1% | $2,471+39.4% |
| Participant deferral / active EE | $2,527 | $3,734-32.3% | $5,047-49.9% | $3,741-32.5% |
| Admin fee / account holder | $1,319 | $6,321-79.1% | $8,930-85.2% | $5,306-75.1% |