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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 | $35,230 | $90,400-61.0% | $186,193-81.1% | $87,485-59.7% |
| Participation rate | 70.6% | 66.2%+4.4pp | 77.1%-6.5pp | 68.9%+1.7pp |
| Annual return | 19.71% | 22.15%-2.4pp | 78.03%-58.3pp | 26.06%-6.4pp |
| Employer contribution / active EE | $2,518 | $2,170+16.0% | $3,918-35.7% | $2,596-3.0% |
| Participant deferral / active EE | $3,841 | $4,330-11.3% | $6,513-41.0% | $4,274-10.1% |
| Admin fee / account holder | $1,759 | $8,673-79.7% | $11,058-84.1% | $7,775-77.4% |