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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 | $32,355 | $58,848-45.0% | $88,179-63.3% | $82,637-60.8% |
| Participation rate | 95.2% | 57.9%+37.3pp | 69.1%+26.1pp | 68.1%+27.2pp |
| Annual return | 17.39% | 22.76%-5.4pp | 64.97%-47.6pp | 53.51%-36.1pp |
| Employer contribution / active EE | $4,792 | $1,678+185.5% | $2,549+88.0% | $2,552+87.8% |
| Participant deferral / active EE | $5,950 | $3,124+90.5% | $4,614+29.0% | $4,126+44.2% |
| Admin fee / account holder | $2,681 | $4,795-44.1% | $7,673-65.1% | $7,339-63.5% |