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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 | $42,039 | $93,345-55.0% | $119,126-64.7% | $87,485-51.9% |
| Participation rate | 73.5% | 68.7%+4.8pp | 75.8%-2.2pp | 68.9%+4.6pp |
| Annual return | 22.60% | 19.08%+3.5pp | 282.11%-259.5pp | 26.06%-3.5pp |
| Employer contribution / active EE | $2,345 | $3,172-26.1% | $4,034-41.9% | $2,596-9.7% |
| Participant deferral / active EE | $4,651 | $4,099+13.5% | $5,318-12.5% | $4,274+8.8% |
| Admin fee / account holder | $1,433 | $8,039-82.2% | $10,693-86.6% | $7,775-81.6% |