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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 | $29,432 | $98,776-70.2% | $149,745-80.3% | $79,856-63.1% |
| Participation rate | 84.0% | 75.8%+8.2pp | 82.5%+1.5pp | 69.6%+14.4pp |
| Annual return | 32.19% | 27.38%+4.8pp | 276.72%-244.5pp | 31.71%+0.5pp |
| Employer contribution / active EE | $2,208 | $3,217-31.4% | $4,646-52.5% | $2,471-10.7% |
| Participant deferral / active EE | $4,423 | $5,681-22.2% | $6,843-35.4% | $3,741+18.2% |
| Admin fee / account holder | $3,501 | $6,053-42.2% | $9,312-62.4% | $5,306-34.0% |