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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 | $34,938 | $90,486-61.4% | $78,676-55.6% | $273,972-87.2% |
| Participation rate | 88.2% | 76.5%+11.7pp | 73.6%+14.7pp | 83.0%+5.2pp |
| Annual return | 7.04% | 75.62%-68.6pp | 62.19%-55.1pp | 41.46%-34.4pp |
| Employer contribution / active EE | $3,556 | $3,175+12.0% | $2,850+24.8% | $4,869-27.0% |
| Participant deferral / active EE | $3,860 | $3,901-1.1% | $3,517+9.8% | $5,287-27.0% |
| Admin fee / account holder | $2,802 | $5,263-46.8% | $4,510-37.9% | $10,133-72.3% |