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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 | $37,686 | $98,776-61.8% | $149,745-74.8% | $79,856-52.8% |
| Participation rate | 73.5% | 75.8%-2.3pp | 82.5%-9.0pp | 69.6%+3.8pp |
| Annual return | 30.99% | 27.38%+3.6pp | 276.72%-245.7pp | 31.71%-0.7pp |
| Employer contribution / active EE | $3,541 | $3,217+10.0% | $4,646-23.8% | $2,471+43.3% |
| Participant deferral / active EE | $6,398 | $5,681+12.6% | $6,843-6.5% | $3,741+71.1% |
| Admin fee / account holder | $4,982 | $6,053-17.7% | $9,312-46.5% | $5,306-6.1% |