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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 | $38,601 | $68,880-44.0% | $120,580-68.0% | $80,959-52.3% |
| Participation rate | 70.7% | 61.7%+9.0pp | 72.0%-1.2pp | 67.7%+3.1pp |
| Annual return | 15.14% | 23.68%-8.5pp | 107.48%-92.3pp | 35.67%-20.5pp |
| Employer contribution / active EE | $4,875 | $2,066+136.0% | $3,469+40.5% | $2,757+76.8% |
| Participant deferral / active EE | $6,575 | $3,191+106.1% | $4,995+31.6% | $4,300+52.9% |
| Admin fee / account holder | $4,375 | $5,785-24.4% | $9,418-53.6% | $6,925-36.8% |