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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 | $36,674 | $93,345-60.7% | $119,126-69.2% | $87,485-58.1% |
| Participation rate | 79.6% | 68.7%+10.9pp | 75.8%+3.8pp | 68.9%+10.7pp |
| Annual return | 17.27% | 19.08%-1.8pp | 282.11%-264.8pp | 26.06%-8.8pp |
| Employer contribution / active EE | $2,436 | $3,172-23.2% | $4,034-39.6% | $2,596-6.2% |
| Participant deferral / active EE | $4,191 | $4,099+2.3% | $5,318-21.2% | $4,274-1.9% |
| Admin fee / account holder | $2,443 | $8,039-69.6% | $10,693-77.2% | $7,775-68.6% |