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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 | $37,653 | $78,707-52.2% | $117,861-68.1% | $70,126-46.3% |
| Participation rate | 85.7% | 73.2%+12.5pp | 79.7%+6.0pp | 69.5%+16.2pp |
| Annual return | 20.54% | 23.30%-2.8pp | 335.11%-314.6pp | 73.15%-52.6pp |
| Employer contribution / active EE | $2,479 | $2,223+11.5% | $3,786-34.5% | $2,343+5.8% |
| Participant deferral / active EE | $5,235 | $3,297+58.8% | $4,482+16.8% | $3,332+57.1% |
| Admin fee / account holder | $2,588 | $5,066-48.9% | $8,021-67.7% | $4,645-44.3% |