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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 | $50,461 | $89,370-43.5% | $141,197-64.3% | $72,976-30.9% |
| Participation rate | 79.2% | 75.1%+4.0pp | 82.5%-3.3pp | 69.5%+9.7pp |
| Annual return | 26.40% | 111.88%-85.5pp | 71.41%-45.0pp | 81.02%-54.6pp |
| Employer contribution / active EE | $2,331 | $3,115-25.2% | $4,736-50.8% | $2,440-4.5% |
| Participant deferral / active EE | $3,568 | $5,419-34.2% | $6,710-46.8% | $3,608-1.1% |
| Admin fee / account holder | $1,910 | $5,957-67.9% | $10,265-81.4% | $5,124-62.7% |