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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 | $23,205 | $93,589-75.2% | $135,942-82.9% | $75,181-69.1% |
| Participation rate | 80.0% | 75.2%+4.8pp | 81.9%-1.9pp | 67.2%+12.8pp |
| Annual return | 19.30% | 30.90%-11.6pp | 68.28%-49.0pp | 160.69%-141.4pp |
| Employer contribution / active EE | $2,888 | $3,537-18.3% | $4,858-40.5% | $2,671+8.2% |
| Participant deferral / active EE | $4,678 | $6,405-27.0% | $7,759-39.7% | $4,126+13.4% |
| Admin fee / account holder | $2,370 | $6,977-66.0% | $10,764-78.0% | $5,650-58.1% |