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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 | $40,501 | $108,825-62.8% | $156,181-74.1% | $82,448-50.9% |
| Participation rate | 73.7% | 72.4%+1.3pp | 78.8%-5.1pp | 68.1%+5.6pp |
| Annual return | 20.36% | 20.59%-0.2pp | 64.87%-44.5pp | 41.64%-21.3pp |
| Employer contribution / active EE | $2,285 | $2,870-20.4% | $4,294-46.8% | $2,551-10.4% |
| Participant deferral / active EE | $3,705 | $4,577-19.1% | $6,132-39.6% | $4,139-10.5% |
| Admin fee / account holder | $787 | $9,341-91.6% | $14,586-94.6% | $7,234-89.1% |