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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 | $46,413 | $77,638-40.2% | $156,551-70.4% | $62,881-26.2% |
| Participation rate | 72.4% | 71.2%+1.2pp | 84.0%-11.6pp | 69.3%+3.1pp |
| Annual return | 6.27% | 50.33%-44.1pp | 32.23%-26.0pp | 20.14%-13.9pp |
| Employer contribution / active EE | $1,284 | $3,444-62.7% | $5,501-76.7% | $2,281-43.7% |
| Participant deferral / active EE | $3,927 | $3,046+28.9% | $4,871-19.4% | $3,203+22.6% |
| Admin fee / account holder | $10,257 | $5,561+84.4% | $13,028-21.3% | $4,296+138.8% |