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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 | $34,070 | $98,760-65.5% | $149,715-77.2% | $79,858-57.3% |
| Participation rate | 81.3% | 75.8%+5.5pp | 82.5%-1.2pp | 69.6%+11.6pp |
| Annual return | 24.95% | 27.43%-2.5pp | 276.66%-251.7pp | 31.72%-6.8pp |
| Employer contribution / active EE | $4,146 | $3,217+28.9% | $4,645-10.7% | $2,471+67.8% |
| Participant deferral / active EE | $6,884 | $5,681+21.2% | $6,842+0.6% | $3,740+84.0% |
| Admin fee / account holder | $1,823 | $6,053-69.9% | $9,310-80.4% | $5,306-65.6% |