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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 | $18,759 | $63,861-70.6% | $104,639-82.1% | $79,856-76.5% |
| Participation rate | 90.5% | 64.9%+25.6pp | 74.1%+16.5pp | 69.6%+20.9pp |
| Annual return | 34.41% | 21.30%+13.1pp | 340.67%-306.3pp | 31.71%+2.7pp |
| Employer contribution / active EE | $1,906 | $1,588+20.0% | $2,682-28.9% | $2,471-22.9% |
| Participant deferral / active EE | $3,498 | $2,693+29.9% | $3,738-6.4% | $3,741-6.5% |
| Admin fee / account holder | $2,647 | $4,185-36.7% | $6,465-59.1% | $5,306-50.1% |