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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 | $41,755 | $98,760-57.7% | $149,715-72.1% | $79,858-47.7% |
| Participation rate | 78.0% | 75.8%+2.2pp | 82.5%-4.5pp | 69.6%+8.3pp |
| Annual return | 20.26% | 27.43%-7.2pp | 276.66%-256.4pp | 31.72%-11.5pp |
| Employer contribution / active EE | $3,044 | $3,217-5.4% | $4,645-34.5% | $2,471+23.2% |
| Participant deferral / active EE | $6,244 | $5,681+9.9% | $6,842-8.7% | $3,740+66.9% |
| Admin fee / account holder | $632 | $6,053-89.6% | $9,310-93.2% | $5,306-88.1% |