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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 | $77,750 | $50,082+55.2% | $93,406-16.8% | $79,858-2.6% |
| Participation rate | 88.7% | 60.9%+27.8pp | 66.8%+21.9pp | 69.6%+19.1pp |
| Annual return | 28.98% | 24.59%+4.4pp | 78.05%-49.1pp | 31.72%-2.7pp |
| Employer contribution / active EE | $1,393 | $1,303+6.9% | $2,075-32.9% | $2,471-43.6% |
| Participant deferral / active EE | $3,054 | $2,212+38.1% | $3,126-2.3% | $3,740-18.3% |
| Admin fee / account holder | $6,479 | $3,454+87.6% | $5,230+23.9% | $5,306+22.1% |