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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 | $50,011 | $48,053+4.1% | $84,637-40.9% | $72,976-31.5% |
| Participation rate | 87.5% | 57.6%+29.9pp | 68.2%+19.3pp | 69.5%+18.0pp |
| Annual return | 24.90% | 37.39%-12.5pp | 258.82%-233.9pp | 81.02%-56.1pp |
| Employer contribution / active EE | $2,371 | $1,602+48.0% | $2,653-10.6% | $2,440-2.8% |
| Participant deferral / active EE | $4,729 | $2,681+76.4% | $3,900+21.2% | $3,608+31.1% |
| Admin fee / account holder | $3,552 | $3,395+4.6% | $4,914-27.7% | $5,124-30.7% |