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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 | $37,427 | $65,367-42.7% | $92,915-59.7% | $72,976-48.7% |
| Participation rate | 78.6% | 68.3%+10.3pp | 76.0%+2.6pp | 69.5%+9.1pp |
| Annual return | 23.42% | 42.11%-18.7pp | 109.45%-86.0pp | 81.02%-57.6pp |
| Employer contribution / active EE | $3,125 | $2,594+20.5% | $3,653-14.5% | $2,440+28.1% |
| Participant deferral / active EE | $5,377 | $3,128+71.9% | $4,238+26.9% | $3,608+49.1% |
| Admin fee / account holder | $839 | $4,251-80.3% | $5,796-85.5% | $5,124-83.6% |