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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 | $44,721 | $101,795-56.1% | $165,100-72.9% | $80,959-44.8% |
| Participation rate | 85.7% | 71.8%+13.9pp | 78.6%+7.1pp | 67.7%+18.0pp |
| Annual return | 14.38% | 16.73%-2.3pp | 70.21%-55.8pp | 35.67%-21.3pp |
| Employer contribution / active EE | $2,354 | $2,954-20.3% | $4,348-45.9% | $2,757-14.6% |
| Participant deferral / active EE | $6,878 | $4,476+53.7% | $6,035+14.0% | $4,300+59.9% |
| Admin fee / account holder | $5,228 | $8,221-36.4% | $12,696-58.8% | $6,925-24.5% |