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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 | $40,334 | $51,222-21.3% | $70,544-42.8% | $75,173-46.3% |
| Participation rate | 83.9% | 61.0%+22.9pp | 68.4%+15.5pp | 67.2%+16.7pp |
| Annual return | 24.40% | 30.06%-5.7pp | 32.79%-8.4pp | 160.72%-136.3pp |
| Employer contribution / active EE | $5,304 | $1,827+190.3% | $2,976+78.2% | $2,671+98.6% |
| Participant deferral / active EE | $9,147 | $2,850+220.9% | $4,568+100.2% | $4,126+121.7% |
| Admin fee / account holder | $3,555 | $4,096-13.2% | $6,427-44.7% | $5,651-37.1% |