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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 | $34,824 | $91,559-62.0% | $133,978-74.0% | $79,856-56.4% |
| Participation rate | 71.4% | 73.3%-1.9pp | 79.8%-8.4pp | 69.6%+1.8pp |
| Annual return | 20.75% | 61.85%-41.1pp | 45.10%-24.3pp | 31.71%-11.0pp |
| Employer contribution / active EE | $2,679 | $2,384+12.4% | $3,919-31.6% | $2,471+8.4% |
| Participant deferral / active EE | $4,352 | $3,734+16.6% | $5,047-13.8% | $3,741+16.3% |
| Admin fee / account holder | $2,380 | $6,321-62.3% | $8,930-73.3% | $5,306-55.1% |