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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 | $43,684 | $53,128-17.8% | $86,582-49.5% | $70,126-37.7% |
| Participation rate | 87.9% | 65.3%+22.6pp | 73.5%+14.4pp | 69.5%+18.4pp |
| Annual return | 16.24% | 27.66%-11.4pp | 965.08%-948.8pp | 73.15%-56.9pp |
| Employer contribution / active EE | $2,722 | $2,068+31.6% | $2,839-4.1% | $2,343+16.2% |
| Participant deferral / active EE | $4,825 | $2,695+79.0% | $3,609+33.7% | $3,332+44.8% |
| Admin fee / account holder | $3,894 | $3,584+8.7% | $4,904-20.6% | $4,645-16.2% |