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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 | $45,690 | $106,749-57.2% | $145,433-68.6% | $82,448-44.6% |
| Participation rate | 86.2% | 75.6%+10.6pp | 82.1%+4.1pp | 68.1%+18.1pp |
| Annual return | 18.86% | 27.59%-8.7pp | 66.58%-47.7pp | 41.64%-22.8pp |
| Employer contribution / active EE | $3,200 | $3,444-7.1% | $4,554-29.7% | $2,551+25.5% |
| Participant deferral / active EE | $9,783 | $6,519+50.1% | $7,897+23.9% | $4,139+136.3% |
| Admin fee / account holder | $5,541 | $8,390-34.0% | $13,129-57.8% | $7,234-23.4% |