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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 | $42,133 | $89,367-52.9% | $141,191-70.2% | $72,975-42.3% |
| Participation rate | 90.4% | 75.1%+15.3pp | 82.5%+7.9pp | 69.5%+20.9pp |
| Annual return | 20.86% | 111.87%-91.0pp | 71.41%-50.5pp | 81.01%-60.2pp |
| Employer contribution / active EE | $3,214 | $3,115+3.2% | $4,736-32.1% | $2,440+31.7% |
| Participant deferral / active EE | $5,082 | $5,419-6.2% | $6,710-24.3% | $3,608+40.9% |
| Admin fee / account holder | $4,242 | $5,957-28.8% | $10,264-58.7% | $5,124-17.2% |