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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 | $45,817 | $97,125-52.8% | $86,233-46.9% | $137,256-66.6% |
| Participation rate | 78.6% | 74.2%+4.4pp | 69.0%+9.6pp | 80.0%-1.4pp |
| Annual return | 41.80% | 74.19%-32.4pp | 61.39%-19.6pp | 220.34%-178.5pp |
| Employer contribution / active EE | $2,217 | $2,841-22.0% | $2,504-11.5% | $4,156-46.7% |
| Participant deferral / active EE | $4,536 | $5,180-12.4% | $4,559-0.5% | $6,407-29.2% |
| Admin fee / account holder | $4,143 | $9,725-57.4% | $8,342-50.3% | $12,270-66.2% |