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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 | $37,503 | $84,236-55.5% | $170,435-78.0% | $70,126-46.5% |
| Participation rate | 93.6% | 70.8%+22.8pp | 83.6%+10.0pp | 69.5%+24.0pp |
| Annual return | 26.19% | 23.06%+3.1pp | 205.94%-179.7pp | 73.15%-47.0pp |
| Employer contribution / active EE | $2,316 | $3,387-31.6% | $5,432-57.4% | $2,343-1.2% |
| Participant deferral / active EE | $4,122 | $3,086+33.6% | $4,939-16.5% | $3,332+23.7% |
| Admin fee / account holder | $905 | $5,698-84.1% | $13,881-93.5% | $4,645-80.5% |