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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 | $7,906 | $97,125-91.9% | $86,233-90.8% | $137,256-94.2% |
| Participation rate | 88.2% | 74.2%+14.0pp | 69.0%+19.2pp | 80.0%+8.3pp |
| Annual return | 24.86% | 74.19%-49.3pp | 61.39%-36.5pp | 220.34%-195.5pp |
| Employer contribution / active EE | $2,965 | $2,841+4.4% | $2,504+18.4% | $4,156-28.7% |
| Participant deferral / active EE | $4,078 | $5,180-21.3% | $4,559-10.6% | $6,407-36.3% |
| Admin fee / account holder | $807 | $9,725-91.7% | $8,342-90.3% | $12,270-93.4% |