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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 | $42,903 | $65,395-34.4% | $182,558-76.5% | $72,976-41.2% |
| Participation rate | 86.7% | 65.4%+21.2pp | 78.0%+8.7pp | 69.5%+17.2pp |
| Annual return | 27.98% | 27.68%+0.3pp | 148.59%-120.6pp | 81.02%-53.0pp |
| Employer contribution / active EE | $4,173 | $1,911+118.3% | $4,076+2.4% | $2,440+71.0% |
| Participant deferral / active EE | $7,205 | $3,563+102.2% | $5,526+30.4% | $3,608+99.7% |
| Admin fee / account holder | $445 | $4,245-89.5% | $8,594-94.8% | $5,124-91.3% |