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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 | $40,145 | $65,364-38.6% | $92,909-56.8% | $72,975-45.0% |
| Participation rate | 83.3% | 68.3%+15.0pp | 76.0%+7.3pp | 69.5%+13.8pp |
| Annual return | 24.60% | 42.11%-17.5pp | 109.44%-84.8pp | 81.01%-56.4pp |
| Employer contribution / active EE | $9,411 | $2,594+262.8% | $3,653+157.6% | $2,440+285.7% |
| Participant deferral / active EE | $3,210 | $3,128+2.6% | $4,238-24.3% | $3,608-11.0% |
| Admin fee / account holder | $304 | $4,251-92.9% | $5,795-94.8% | $5,124-94.1% |