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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 | $41,256 | $76,407-46.0% | $150,298-72.6% | $82,448-50.0% |
| Participation rate | 76.6% | 66.4%+10.2pp | 77.8%-1.2pp | 68.1%+8.5pp |
| Annual return | 28.39% | 39.99%-11.6pp | 62.79%-34.4pp | 41.64%-13.2pp |
| Employer contribution / active EE | $3,885 | $2,614+48.6% | $4,154-6.5% | $2,551+52.3% |
| Participant deferral / active EE | $7,541 | $3,214+134.6% | $5,453+38.3% | $4,139+82.2% |
| Admin fee / account holder | $23,180 | $6,352+264.9% | $14,116+64.2% | $7,234+220.4% |