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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 | $39,977 | $48,053-16.8% | $84,637-52.8% | $72,976-45.2% |
| Participation rate | 73.3% | 57.6%+15.7pp | 68.2%+5.0pp | 69.5%+3.8pp |
| Annual return | 26.19% | 37.39%-11.2pp | 258.82%-232.6pp | 81.02%-54.8pp |
| Employer contribution / active EE | $3,781 | $1,602+136.1% | $2,653+42.5% | $2,440+55.0% |
| Participant deferral / active EE | $3,398 | $2,681+26.8% | $3,900-12.9% | $3,608-5.8% |
| Admin fee / account holder | $3,794 | $3,395+11.7% | $4,914-22.8% | $5,124-26.0% |