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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 | $34,935 | $48,364-27.8% | $71,796-51.3% | $62,881-44.4% |
| Participation rate | 76.1% | 60.6%+15.5pp | 69.1%+7.0pp | 69.3%+6.8pp |
| Annual return | 30.82% | 13.16%+17.7pp | 78.04%-47.2pp | 20.14%+10.7pp |
| Employer contribution / active EE | $2,331 | $1,042+123.7% | $1,924+21.1% | $2,281+2.2% |
| Participant deferral / active EE | $4,318 | $2,091+106.5% | $2,794+54.5% | $3,203+34.8% |
| Admin fee / account holder | $2,178 | $3,771-42.3% | $4,815-54.8% | $4,296-49.3% |