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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 | $40,588 | $98,776-58.9% | $149,745-72.9% | $79,856-49.2% |
| Participation rate | 75.0% | 75.8%-0.8pp | 82.5%-7.5pp | 69.6%+5.4pp |
| Annual return | 22.76% | 27.38%-4.6pp | 276.72%-254.0pp | 31.71%-9.0pp |
| Employer contribution / active EE | $2,209 | $3,217-31.3% | $4,646-52.5% | $2,471-10.6% |
| Participant deferral / active EE | $6,215 | $5,681+9.4% | $6,843-9.2% | $3,741+66.1% |
| Admin fee / account holder | $2,019 | $6,053-66.6% | $9,312-78.3% | $5,306-62.0% |