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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 | $32,107 | $85,024-62.2% | $70,544-54.5% | $139,466-77.0% |
| Participation rate | 85.7% | 73.9%+11.8pp | 68.4%+17.4pp | 80.3%+5.4pp |
| Annual return | 13.83% | 30.39%-16.6pp | 32.79%-19.0pp | 373.66%-359.8pp |
| Employer contribution / active EE | $2,587 | $3,912-33.9% | $2,976-13.1% | $4,754-45.6% |
| Participant deferral / active EE | $4,037 | $5,891-31.5% | $4,568-11.6% | $6,712-39.8% |
| Admin fee / account holder | $5,096 | $8,928-42.9% | $6,427-20.7% | $11,409-55.3% |