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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 | $25,100 | $77,638-67.7% | $156,551-84.0% | $62,881-60.1% |
| Participation rate | 87.0% | 71.2%+15.8pp | 84.0%+3.0pp | 69.3%+17.7pp |
| Annual return | 8.92% | 50.33%-41.4pp | 32.23%-23.3pp | 20.14%-11.2pp |
| Employer contribution / active EE | $4,029 | $3,444+17.0% | $5,501-26.8% | $2,281+76.7% |
| Participant deferral / active EE | $1,703 | $3,046-44.1% | $4,871-65.0% | $3,203-46.8% |
| Admin fee / account holder | $378 | $5,561-93.2% | $13,028-97.1% | $4,296-91.2% |