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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 | $41,974 | $85,060-50.7% | $70,548-40.5% | $139,456-69.9% |
| Participation rate | 75.0% | 73.9%+1.1pp | 68.3%+6.7pp | 80.3%-5.3pp |
| Annual return | 35.93% | 30.38%+5.5pp | 32.78%+3.1pp | 373.45%-337.5pp |
| Employer contribution / active EE | $1,854 | $3,911-52.6% | $2,975-37.7% | $4,753-61.0% |
| Participant deferral / active EE | $3,931 | $5,890-33.3% | $4,567-13.9% | $6,711-41.4% |
| Admin fee / account holder | $3,756 | $8,925-57.9% | $6,424-41.5% | $11,407-67.1% |