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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 | $40,926 | $98,776-58.6% | $149,745-72.7% | $79,856-48.8% |
| Participation rate | 81.8% | 75.8%+6.0pp | 82.5%-0.7pp | 69.6%+12.2pp |
| Annual return | 28.64% | 27.38%+1.3pp | 276.72%-248.1pp | 31.71%-3.1pp |
| Employer contribution / active EE | $4,024 | $3,217+25.1% | $4,646-13.4% | $2,471+62.9% |
| Participant deferral / active EE | $7,981 | $5,681+40.5% | $6,843+16.6% | $3,741+113.4% |
| Admin fee / account holder | $4,394 | $6,053-27.4% | $9,312-52.8% | $5,306-17.2% |