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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 | $28,800 | $157,829-81.8% | $136,867-79.0% | $198,609-85.5% |
| Participation rate | 81.0% | 77.2%+3.8pp | 74.5%+6.4pp | 82.4%-1.4pp |
| Annual return | 10.38% | 51.25%-40.9pp | 42.97%-32.6pp | 202.70%-192.3pp |
| Employer contribution / active EE | $1,938 | $3,923-50.6% | $3,547-45.4% | $5,055-61.7% |
| Participant deferral / active EE | $2,037 | $5,463-62.7% | $4,924-58.6% | $6,977-70.8% |
| Admin fee / account holder | $4,601 | $11,107-58.6% | $10,340-55.5% | $19,030-75.8% |