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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 | $40,630 | $77,638-47.7% | $156,551-74.0% | $62,881-35.4% |
| Participation rate | 75.8% | 71.2%+4.6pp | 84.0%-8.3pp | 69.3%+6.5pp |
| Annual return | 8.41% | 50.33%-41.9pp | 32.23%-23.8pp | 20.14%-11.7pp |
| Employer contribution / active EE | $2,180 | $3,444-36.7% | $5,501-60.4% | $2,281-4.4% |
| Participant deferral / active EE | $3,245 | $3,046+6.6% | $4,871-33.4% | $3,203+1.3% |
| Admin fee / account holder | $2,473 | $5,561-55.5% | $13,028-81.0% | $4,296-42.4% |