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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 | $22,692 | $97,125-76.6% | $86,233-73.7% | $137,256-83.5% |
| Participation rate | 85.0% | 74.2%+10.8pp | 69.0%+16.0pp | 80.0%+5.0pp |
| Annual return | 21.49% | 74.19%-52.7pp | 61.39%-39.9pp | 220.34%-198.8pp |
| Employer contribution / active EE | $3,199 | $2,841+12.6% | $2,504+27.7% | $4,156-23.0% |
| Participant deferral / active EE | $10,234 | $5,180+97.6% | $4,559+124.5% | $6,407+59.7% |
| Admin fee / account holder | $4,126 | $9,725-57.6% | $8,342-50.5% | $12,270-66.4% |