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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 | $32,210 | $93,598-65.6% | $135,974-76.3% | $75,173-57.2% |
| Participation rate | 79.7% | 75.2%+4.5pp | 81.9%-2.2pp | 67.2%+12.5pp |
| Annual return | 41.46% | 30.89%+10.6pp | 68.30%-26.8pp | 160.72%-119.3pp |
| Employer contribution / active EE | $3,053 | $3,538-13.7% | $4,859-37.2% | $2,671+14.3% |
| Participant deferral / active EE | $6,860 | $6,405+7.1% | $7,760-11.6% | $4,126+66.3% |
| Admin fee / account holder | $4,575 | $6,978-34.4% | $10,767-57.5% | $5,651-19.0% |