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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 | $41,292 | $93,589-55.9% | $135,942-69.6% | $75,181-45.1% |
| Participation rate | 83.6% | 75.2%+8.4pp | 81.9%+1.6pp | 67.2%+16.4pp |
| Annual return | 20.63% | 30.90%-10.3pp | 68.28%-47.6pp | 160.69%-140.1pp |
| Employer contribution / active EE | $3,991 | $3,537+12.8% | $4,858-17.8% | $2,671+49.4% |
| Participant deferral / active EE | $4,784 | $6,405-25.3% | $7,759-38.3% | $4,126+16.0% |
| Admin fee / account holder | $1,579 | $6,977-77.4% | $10,764-85.3% | $5,650-72.1% |